45 Saddle Rock Rdg, Wimberley, TX 78676
3 beds · 3 baths · 2,816 sqft
Get a free consultation call with an expert in the mortgage assumption process.
Welcome to your Hill Country retreat, where breathtaking panoramic views stretch for miles and outdoor living is a daily luxury. Nestled on two lots totaling over half an acre, this move-in-ready home offers the feel of country living without the isolation — all while being perfectly positioned to enjoy nature, sunsets, and even fireworks from the comfort of your own backyard. Step inside to soaring ceilings, an open floor plan filled with natural light, and new picture windows that perfectly frame those million-dollar views. The open-concept kitchen and living space flow seamlessly into a formal dining room — perfect for gatherings or quiet nights at home. Upstairs, the master bedroom is a true sanctuary, complete with its own covered balcony where you can sip coffee while watching the sunrise or cozy up and listen to the rain. Whether it’s stargazing, spotting shooting stars, or watching deer wander the nearby nature path, the peaceful view is always front and center. Choose from three large outdoor decks for relaxing or entertaining — complete with an outdoor fireplace that’s ideal for chilly nights. The private side lot features a bonfire area, a winding path, and a charming sitting area tucked among the trees — a favorite spot for the local fawn and peaceful moments in nature. Other features include: A finished, heated/cooled bonus loft above the garage — ideal for a home office, creative studio, or game room. A downstairs office with a closet, which easily doubles as a fourth bedroom, game room, or media space. A spacious front porch and multiple indoor/outdoor areas that make this home perfect for everyday living and entertaining. This home sits on Lot 80 (0.31 acres) and includes vacant Lot 81 (0.24 acres) for added space, privacy, and possibilities. This is more than a house — it’s a lifestyle, and it’s waiting for you.
Source: ACTRIS #9565420
Learn about how it works
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.
Source: Public records
All values shown are estimated costs / mo.
Source: Public records
Source: ACTRIS #9565420
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 and Equal Opportunity Act.