3201 Emerson Pass, Schertz, TX 78154
5 beds · 3 baths · 3,276 sqft
Nestled on an expansive corner lot in the sought-after Schertz community, 3201 Emerson Pass offers an exquisite blend of refined upgrades and generous living spaces, creating an inviting sanctuary for both relaxation and entertainment. This 5-bedroom, 2.5-bathroom residence spans 3,276 square feet, embodying sophistication and modern comfort at every turn. Upon entering, you are greeted by a stunning gourmet kitchen, meticulously remodeled with Calacatta quartz countertops, a striking waterfall island, and soft-close cabinetry. A deep farmhouse sink and motion-activated range vent with charcoal filtration elevate the culinary experience. The open-concept design flows seamlessly through living areas graced with luxury vinyl flooring, while plush carpeting adds a touch of elegance to the bedrooms. The upstairs primary suite is a private retreat of grand proportions, featuring a spa-inspired bathroom adorned with Calacatta quartz, heated LED mirrors, and porcelain tile floors. Four additional spacious bedrooms provide ample accommodation, while the newly renovated bathrooms and fresh interior paint enhance the home's crisp, modern appeal. Outside, the lush, expansive yard beckons with an entertainment area and a sparkling 24' above-ground pool, perfect for enjoying the Texas sun. The home's prime corner location ensures additional privacy, while a two-car garage adds convenience. With a 50 year transferable warranty for the flooring and roof. This residence has been meticulously enhanced with over $120,000 in recent upgrades, including a Class IV impact-resistant roof, a state-of-the-art HVAC system, and a kitchen and bathroom remodel. Beyond the property, a vibrant community offers access to parks, walking trails, playgrounds, and sports courts. Located mere minutes from premier shopping, dining, and entertainment, and with close proximity to major military bases, 3201 Emerson Pass embodies the perfect union of luxury, comfort, and location for the discerning homeowner. Roof(2022) and Flooring(2024) have a 50 year Transferable Warranty, HVAC (2020) has a 10 year Transferrable Warranty and Water Heater(2024) has a 6 month Limited Warranty.
Source: SABOR #1800051
Interest rate and monthly payment estimated based on public records.
Source: SABOR #1800051
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: #1800051
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