3117 Golf Tree, Schertz, TX 78108
4 beds · 4 baths · sqft
Welcome to 3117 Golf Tree, the ideal home for your family to thrive. Nestled in a friendly community with top-rated NEISD schools, this property offers everything you need to create a lifetime of memories. With a super low VA assumable loan, it's as smart a choice as it is beautiful. Set on a spacious .18-acre lot, this home provides plenty of room for outdoor fun, from backyard barbecues to playtime under the Texas sky. Step inside to discover a warm and inviting space designed with families in mind. The 18-foot ceiling in the living room creates an open, light-filled gathering area perfect for movie nights or game days. The primary suite is conveniently located downstairs, offering parents a private retreat. The heart of the home is the kitchen, where stunning granite countertops, a large island, and an eat-in area invite you to cook, laugh, and connect. It's the perfect spot for kids to do homework or share a snack while you prep dinner. Upstairs, you'll find three generously sized bedrooms, a game room made for fun and relaxation, and an upper deck ideal for quiet evenings or stargazing. Outside, the back porch offers even more space to unwind or host family and friends. The two-car garage provides storage for bikes, tools, and everything in between. And don't forget the paid-for solar panels-a sustainable feature that saves money year after year, giving your family more to enjoy. With room to grow, a community to connect in, and a .18-acre lot to explore, 3117 Golf Tree is more than a home-it's the start of your family's next adventure. Come see it today and fall in love!
Source: SABOR #1824495
Interest rate and monthly payment estimated based on public records.
Source: SABOR #1824495
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: #1824495
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.