812 Water Oak, Schertz, TX 78154
4 beds · 3 baths · 2,623 sqft sqft
Welcome to Your Dream Home!!! New luxury vinyl plank flooring!!! Discover this meticulously maintained and spacious 4-bedroom, 3-full bathroom haven. With high vaulted ceilings adding a sense of grandeur, luxury vinyl plank flooring (Sept 2024) flowing through the entryway, hall, kitchen, and living room, this home truly has it all. Open layout that seamlessly connects the cozy living room with a dedicated media room. A separate dining area and a versatile office provide ideal spaces for both productivity and relaxation. Upgrades include modern lighting, a new stove (Aug 2024), and the dishwasher and refrigerator are less than two years old. At the heart of this residence lies a stunning kitchen featuring custom 42 inch cabinetry, dual granite islands, and ample counter space-truly a culinary enthusiast's paradise. The expansive primary suite serves as your private sanctuary, boasting a large bathroom equipped with dual vanities, a separate shower, a soothing garden tub, and a generous walk-in closet. Enjoy thoughtful enhancements like sunscreens on every window, gutters, and a covered Texas-sized patio (14x12) with refurbished deck (Aug 2024), perfect for outdoor gatherings or savoring your morning coffee. Additional features include screen door (Jul 2024), storm door, bay windows in the master, pre-plumbed for a water softener, epoxy garage floor, garage shelves and theatre is pre-wired for surround sound and stereo equipment.Located in a sought-after neighborhood, you'll find an array of dining options, shopping venues, fitness centers, and entertainment just minutes away. Families will appreciate access to A-rated schools within the Schertz-Cibolo-Universal City ISD, while military personnel benefit from a short drive to JBSA Randolph and a quick 20-minute commute to JBSA Fort Sam Houston. Looking for summer fun? Schlitterbahn Water Park and San Marcos Premium Outlets are just a 30-minute drive away. Don't miss this exceptional opportunity-make this extraordinary residence yours today!
Source: SABOR #1803091
Source: SABOR #1803091
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: #1803091
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.