3716 William Scarbrough, Schertz, TX 78154
3 beds · 3 baths · 1,782 sqft
Step inside this beautifully maintained former model home and feel an immediate sense of comfort and pride of ownership. From the moment you enter, you're greeted by soaring ceilings and an abundance of natural light that highlights the brand-new luxury vinyl plank flooring stretching throughout most of the home. The heart of the home is the cozy living area, centered around a classic brick fireplace-perfect for creating warm memories on cool evenings. Just off the living room, the spacious kitchen features modern appliances (all replaced in the past 10 years), a new refrigerator, and ample counter space, making meal prep a joy. The adjacent dining area flows seamlessly into the freshly poured concrete patio, offering a lovely outdoor space for entertaining or unwinding under the shade of mature trees. Retreat to the tranquil primary suite, where you'll find a garden tub, a walk-in shower, and double vanities that create a spa-like atmosphere. Both full bathrooms have been thoughtfully updated with stylish finishes, giving the entire home a modern yet welcoming feel. With essential upgrades like a new HVAC system (installed November 2023 with a 10-year warranty), and items updated within the last 5 years such as the water heater, water softener, and main water line, peace of mind comes standard. The siding was replaced in 2024. This home not only delivers on quality but on location-nestled in a highly sought-after area served by SCUC ISD, just minutes from Randolph Air Force Base, and best of all, no HOA restrictions. This home is truly move-in ready, and includes washer/dryer and even furniture upon request-making your transition seamless. Come experience this perfect blend of comfort, convenience, and charm. Your new home is waiting!
Source: SABOR #1857555
All values shown are estimated costs / mo.
Source: Public records
Source: SABOR #1857555
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.
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.
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.
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.
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.
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.