VA loan
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VA loan
$349,500 SIGNIN

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3307 Tree Grove Dr, San Antonio, TX 78247

4 beds · 3 baths · 2,660 sqft

Welcome to 3307 Tree Grove Dr., a beautiful 4-bedroom, 2.5-bath, 2,660 sq ft home that blends beauty and functionality in a peaceful neighborhood. This charming 2-story residence features a unique combination of stone/rock and wood exterior, offering curb appeal with a 2-car garage. Upon entering, you are greeted by a soaring ceiling, staircase leading to the second floor, and the main living area to the right. The open-concept design allows for plenty of natural light to flow through the home, creating an inviting atmosphere. The spacious main living area features a high ceiling, a cozy fireplace, and a breakfast bar that offers an additional dining option, seamlessly connecting the living space to the main dining area. Adjacent to the dining area, the kitchen is a chef's dream, complete with modern appliances, an island for extra prep space, and sleek granite countertops. A large walk-in storage pantry, updated garbage disposal, breakfast dining area at the island, and abundant cabinet storage ensure both style and functionality in this well-designed space. The expansive primary bedroom, located downstairs, includes a private sitting area and a luxurious en-suite bathroom featuring a dual-sink vanity, a tub/shower combo, and a spacious walk-in closet. Upstairs, you'll find the three secondary bedrooms, as well as a versatile additional living area, perfect as a game room or study, with an entire wall of beautiful wood bookcases. Throughout the first floor and all bathrooms, you'll enjoy ceramic tile flooring, while the bedrooms and upstairs living space are carpeted for comfort. Step outside into the large backyard, where you'll find a patio perfect for entertaining and an above-ground pool for relaxation. This home has seen many recent updates, including an upgraded roof in 2021, a water heater installed in 2024, and a water softener added in 2023. The upgraded dishwasher is only 2 years old, and the dining area light fixture was replaced in 2020. In addition, recessed lighting in the kitchen and primary bathroom was upgraded in 2020, and the solar panels, installed in 2021, are fully paid off. The updated vinyl windows, added in 2021, offer energy efficiency and enhanced curb appeal. This is an amazing home within the NorthEast Independent School District (NEISD) that is conveniently located closely to Loop 1604, Hwy 281, Wurzbach Pkwy, and I35. You will enjoy its proximity to McAllister Park and a multitude of shopping, entertainment, education, and dining locations. 3307 Tree Grove Dr. offers the perfect combination of comfort, style, and modern conveniences in a fantastic location. With its spacious layout and thoughtful upgrades this property will not last long. Don't miss out on the chance to call this beautiful house your home!

Estimated
Seller's interest rate
2.75%
7%
Estimated
Principal & interest
$760/mo.
$1,184
You may also save up to $134,170 in total interest paid.

Send questions to support@withroam.com

Why Roam


Gap financing to lower your down payment

Unlock down payments as low as 5% – only with Roam

5x the likelihood your offer is accepted

If a purchase takes longer than 45 days, we’ll cover the seller’s mortgage until you close

Close faster and stress-free

We close 2x faster because of our deep experience and lender relationships

Rates and payments are estimates based on public records.

Financials
Seller’s estimated current equity is SIGNIN
To assume this mortgage you must cover the seller’s equity by using your cash or by combining your cash with gap financing.
Estimated $760 monthly payment

Financed
SIGNIN
Location
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Loan details
Remaining term
26 yrs and 4 mos
Loan type
VA
Rate
2.75%
Monthly P&I
$760
Remaining balance

Source: Public records

Home details
Size
2,660 sqft
Lot size
0.164 acres
Year built
1984
Type
Single Family Residence
HOA dues
$0.00

Source: SABOR #1845593

Qualify

To qualify, you must meet the current FHA or VA 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%. 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.

FHA (Federal Housing Administration) loans

FHA loans require the buyer to assume the mortgage as a primary residence. When you apply for the loan, you must attest that the home will be your primary residence for 12 months to be approved for an FHA assumption. Most lenders will ask that you move in within 60 days.

VA (Veteran's Affairs) loans

You don't have to be a veteran to assume a VA loan. However, not all veterans are willing to let a non veteran assume their mortgage. Roam confirms the seller's willingness prior to you making an offer.

Investors

You may be able to assume a VA mortgage as an investor without it being your primary residence.

Resources
Frequently asked questions

What is Roam?

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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?

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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?

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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?

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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.

How do I qualify for an assumable mortgage?

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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 620, 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.

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Last updated: Apr 15, 2025 06:39 am
Listing agent: Laurie Kasch (210) 317-6683
Listing provided courtesy of: LPT Realty, LLC (877) 366-2213
Details provided by SABOR and may not match the public record.
MLS ID: #1845593
The data relating to real estate for sale on this website comes in part from the Internet Data exchange (IDX) program of the San Antonio Board of REALTORS®. IDX information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Real estate listings held by brokerage firms other than Everystate, are indicated by detailed information about them such as the name of the listing firms. Information deemed reliable but not guaranteed. Copyright © 2025 San Antonio Board of REALTORS®. All Rights Reserved.
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