3201 Emerson Pass
Schertz, TX 78154
5 beds · 3 baths · 3,276 sqft
$399,000
Get prequalifiedAbout this home
Discover this captivating 5 bedroom, 2.5 bathroom, 3276 sq ft, home situated on an oversized corner lot, ideally located near Randolph AFB. Upon entering, you are greeted by a stunning gourmet kitchen, meticulously remodeled with Calacatta quartz countertops, a 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 and new plush carpeting in the bedrooms. Upstairs, you'll find a huge loft/media area, three generously sized bedrooms, and a well-appointed bathroom. The spacious primary bedroom awaits, complete with an ensuite bathroom with Calacatta quartz, heated LED mirrors, and porcelain tile floors. The expansive backyard is perfect for hosting large parties and gatherings, featuring a 24' above-ground pool that's perfect for the Texas heat! With a 50 year transferable warranty for the flooring and roof. This residence has 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. The community offers access to parks, walking trails, playgrounds, and sports courts. Located conveniently near premier shopping, dining, and entertainment, and with close proximity to major military bases. Roof(2022) and Flooring(2024) have a 50 year Transferable Warranty, HVAC (2020) has a 10 year Transferable Warranty and Water Heater(2024) has a 6 month Limited Warranty.
Source: SABOR #1828100
Neighborhood
FAQs
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.
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.
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.
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.
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 “Save search” 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.
When assuming the existing mortgage as part of a home purchase, the buyer has to cover the seller’s equity in the home. The seller’s equity is the purchase price minus the remaining mortgage balance. This amount must be covered in full through an all-cash down payment or by taking out a second mortgage.
Roam is committed to and abides by the Fair Housing Act and Equal Opportunity Act.