30531 Setterfeld Cir, Boerne, TX 78015
4 beds · 4 baths · sqft
***Eligible for VA Assumable loan for qualified VA buyers 2.5 interest rate with current lender***Discover a rare opportunity to own a stunning residence in the highly sought-after Setterfeld Estates, this gated community is nestled within the beautiful Fair Oaks Ranch. This exquisite two-story home sits on a generous half-acre lot and combines elegance with functionality across an expansive 3,626 square feet. As you arrive, the captivating curb appeal draws you in, setting the tone for the remarkable features that await inside. Step into the bright and airy living space, where sliding doors lead to an extraordinary covered patio. Here, you'll find a smart deck, an inviting pool complete with a mesmerizing water feature and exhilarating slide-perfect for relaxation and entertainment. This home offers 4 spacious bedrooms, 3 full baths, and 1 half bath, providing ample space for family and guests. The versatile floor plan includes a formal dining room, a sophisticated living area or study, and additional flexible space on the lower level. The dramatic entryway impresses with a graceful curved staircase, soaring ceilings, a charming fireplace, and elegant tile flooring throughout the downstairs area. The gourmet kitchen is a chef's delight, featuring granite countertops, rich dark cabinetry, a designer backsplash, and built-in appliances. The luxurious primary suite is a tranquil retreat with a custom shower, separate tub, and elegant double vanities in the master bath. Upstairs, the oversized secondary bedrooms, including one with a full bath, offer comfort and privacy. The game room and media room provide endless possibilities for entertainment, complete with a walk-out balcony to enjoy breathtaking views and enchanting evening sunsets. Parking is a breeze with a side-entry three-car garage and an extended driveway. Plus, this home's prime location puts you just minutes away from premier shopping, dining, and entertainment at La Cantera, The Rim, and the thrills of Fiesta Texas. Don't miss the chance to experience luxury living at its finest-schedule a showing today and make this dream home your reality!
Source: SABOR #1805985
Interest rate and monthly payment estimated based on public records.
Source: SABOR #1805985
Source: Public records
Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step.
Whether you have an agent or you’re just starting your search, reach out to us and we’ll help set up a home tour.
Roam works with you, your agent, and the listing agent to prepare a mortgage assumption agreement and finalize all details.
Roam coordinates all parts of the transaction and keeps all parties up to date to provide a seamless 45-day close.
To qualify, you must meet the current FHA, VA, or USDA loan requirements depending on the type of loan you are assuming. This typically means a minimum credit score of 580, although most lenders prefer 620-640. Your debt-to-income ratio should be under the 50% max under FHA guidelines. Additional information such as employment history, explanations of income for each applicant, and asset verification for a down payment may be needed to process the loan.
What is Roam?
Roam is your trusted partner for affordable home ownership. We help manage the assumption process from start to finish, enabling homebuyers to easily purchase their next home with a low-interest rate mortgage attached.
What is an assumable mortgage?
An assumable mortgage is a type of home loan that allows a homebuyer to take over the existing mortgage terms from the seller, with no cost to the seller. Many government-backed loans, such as FHA and VA loans, are eligible for assumption, and millions of these mortgages are available.
Why is an assumable mortgage valuable?
When interest rates on mortgages are high, assuming a mortgage with a rate as low as 2% allows buyers to save up to thousands monthly compared to buying a home with a traditional mortgage at today’s average rates of 7%. A low-rate assumable mortgage could be the key to finding your dream home at an affordable price.
How can you find assumable mortgage listings?
Roam has compiled available listings with low-rate assumable mortgages for you to browse. To get started, enter the city, state, zip code, or school district you’re interested in purchasing in. Utilize the search filters to narrow down your search. Click “Get Notified” to save your search preferences and activate listing notifications—we’ll email you as soon as new listings match your criteria.
Once you’ve found your dream home and ready to make an offer, schedule a call with a Roam Advisor directly from the listing. Your Roam Advisor will guide you through each step of the process, while also working directly with your agent, the servicer, and the seller to ensure you close on time.
How do I qualify for an assumable mortgage?
To qualify, you must meet the current FHA, VA, or USDA loan requirements depending on the type of loan you are assuming. This typically means a minimum credit score of 580, although most lenders prefer 620-640. Your debt-to-income ratio should be under the 50% max under FHA guidelines. Additional information such as employment history, explanations of income for each applicant, and asset verification for a down payment may be needed to process the loan.
MLS ID: #1805985
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.