3625 Black Cloud Dr, New Braunfels, TX 78130
3 beds · 3 baths · sqft
Welcome to your dream suburban retreat at the heart of New Braunfels, where charm meets modern convenience in this beautifully designed home. Freshly listed, this property offers a perfect canvas for both serene living and entertaining guests. Step inside and be greeted by a spacious, light-filled living room that sets the tone for a home that's crafted with care and attention to detail. Recently upgraded lighting adds to the ambiance. With three inviting bedrooms and two and a half well-appointed bathrooms, this house effortlessly meets the needs of a growing family, or anyone looking for that extra bit of space. Let's talk culinary spaces! The kitchen is truly the heart of this home, providing ample room and facilities for whipping up your favorite recipes. Adjoining the kitchen, the dining area offers a cozy spot for family meals or morning coffee contemplations. When it comes to relaxation, the primary bedroom does not disappoint with its spacious layout and calming ambiance, perfect for unwinding after a busy day. Outside, the backyard calls for summer barbecues and family gatherings, fully fenced to provide privacy and security. Location is key, and living here puts you within a comfortable distance of local highlights. You're just a short drive from Canyon High School, making morning commutes to school a breeze. And for your shopping needs? Target Grocery is only minutes away, making it easy to pick up everything from groceries to home essentials. In this house, you're not just buying walls and a roof, but a place where memories are waiting to be made. A home that's as functional as it is charming, ready to be filled with laughter, meals, and celebrations. Find out why this could be your next dream home, where each day is a new opportunity to create something beautiful. Ready to see more? Get in touch and let this house win your heart over!
Source: CENTRALTEXAS #562693
Interest rate and monthly payment estimated based on public records.
Source: CENTRALTEXAS #562693
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: #562693
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.