3916 Whisper Rdg, Schertz, TX 78108
4 beds · 2 baths · 1,801 sqft sqft
Welcome to this stunning property; this exquisite 4-bedroom, 2-bath house located in the coveted Steele High School zone within the SCUCISD. Step inside this modern abode and you'll be greeted by an open floor plan that is perfect for hosting friends and family gatherings. The spacious kitchen is a chef's dream, complete with top-of-the-line appliances, and ample counter space including an island for preparing delicious meals while mingling with guests. The highlight of the living room is a charming fireplace, ideal for cozying up during winter evenings with a warm cup of cocoa or hosting intimate gatherings. The natural light flooding through the windows accentuates the warmth and welcoming atmosphere of the space. With four bedrooms, there's plenty of room for personalization and creating individual sanctuaries within this stylish home. Imagine unwinding in the master bedroom after a long day, feeling the stresses of the outside world melt away in your private haven. Living in the Steele High School zone means access to top-tier education and a vibrant community that values excellence in academics and extracurricular activities. This house isn't just a home; it's a lifestyle upgrade that offers both comfort and convenience. Your next home perfectly blends style, functionality, and a prime location to create the ultimate dream home in SCUCISD's sought-after neighborhood.
Source: SABOR #1762704
Interest rate and monthly payment estimated based on public records.
Source: SABOR #1762704
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 30-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: #1762704
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.