644 Perugia, Cibolo, TX 78108
4 beds · 4 baths · 2,907 sqft
The prime location puts you minutes from shopping, medical facilities, restaurants, Wal-Mart, HEB, and the lively downtown Cibolo. Just a short drive to Randolph AFB and BAMC. This Texas beauty boasts a striking red brick and limestone exterior, making it stand out in the desirable Turning Stone neighborhood. Inside, you're welcomed by a mosaic tile entry and elevated ceilings, creating an open, airy ambiance. Designer touches throughout the home include a coffered ceiling in the master bedroom, elegant archways in the dining room, and unique planter shelves and a circular ceiling in the breakfast area. The open-concept layout connects the living room, kitchen, dining room, and breakfast areas, making it easy to host gatherings or enjoy relaxing evenings at home. The gourmet island kitchen features granite countertops, a mosaic tile backsplash, a deep sink, upgraded appliances, and a negotiable stainless steel refrigerator. The chef will never feel isolated, as the kitchen opens to the spacious living room, which is prewired for surround sound-perfect for a movie night or game day. Upstairs, the versatile game room, complete with a 4th bedroom and a 3rd full bath, offers a perfect retreat for guests, a media room, or even a pool table setup. The split-bedroom design ensures privacy for the primary suite, which includes a spa-like bath. Step outside to your own oasis-an oversized patio with a pergola, prewired for outdoor surround sound, perfect for unwinding in the evenings. The seller is open to negotiating the 6-8-seater Bullfrog hot tub. There's also an 8x12 storage building for all your outdoor equipment or as a creative space. Energy-efficient features like Tech Shield in the attic, low E windows, ceiling fans throughout, a water softener, and a brand-new water heater ensure comfort year-round while keeping utility bills low. The Turning Stone community offers a resort-like experience with a pool, sports court, playground, and paved walking trail.
Source: CENTRALTEXAS #559133
Interest rate and monthly payment estimated based on public records.
Source: CENTRALTEXAS #559133
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: #559133
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.