++Open House++Saturday, July 4 from 10-2PM & Sunday, July 5 from 2-5PM++ Welcome to 28722 Front Gate, an exceptional one owner former model home located in the highly desirable Front Gate community. Offering 5 bedrooms, 4.5 bathrooms, 4,567 square feet, and the largest floor plan in the neighborhood, this meticulously maintained residence is loaded with premium upgrades and thoughtful improvements throughout. The spacious floor plan features an expansive open-concept living area, private study, large game room, dedicated media room, and a gym that can also serve as a fifth bedroom, playroom, or flex space. Beautiful architectural details including specialty ceilings, decorative wall treatments, and extensive built-ins create a custom home feel throughout. The heart of the home is the stunning chef's kitchen! Recent updates include a full height backsplash extending to the ceiling, abundant cabinetry, generous prep space, and a custom coffee bar complete with refrigerator and upper and lower storage. The kitchen opens effortlessly to the spacious family room, highlighted by a substantial custom-built entertainment center. The luxurious primary suite serves as a private retreat, featuring custom wainscoting, updated lighting, and a fully renovated spa inspired bathroom. High end finishes include new flooring, upgraded countertops, a freestanding soaking tub, an oversized car wash-style shower, and a beautifully redesigned custom closet system that maximizes organization and functionality. Additional interior improvements include upgraded porcelain wood look tile throughout the main living areas, fresh interior paint, new carpet in all three secondary bedrooms and the media room, a renovated study with custom built-in desk, updated lighting, and striking modern glass barn doors. The staircase has been completely modernized with updated railings, while decorative wall paneling and custom wainscoting add character throughout the home. Thoughtful details continue with a custom under-stair dog retreat designed to match the home's architecture, extensive storage solutions, built-in organizational features, and exceptional storage capacity including two attic spaces. Outdoor living is equally impressive. The expansive covered patio is designed for year round enjoyment and features a beautiful outdoor fireplace, fully equipped outdoor kitchen, and a large space for entertaining and relaxation. The low maintenance backyard is finished with artificial turf, providing a lush appearance with minimal upkeep. The garage and mechanical upgrades are equally noteworthy. In addition to the side-facing three-car garage, the home includes mounted garage storage shelving and a Rinnai Performance Platinum 199,000 BTU tankless gas water heater with built-in recirculation pump, delivering increased efficiency and energy savings. A brand new front door to further enhance the home's curb appeal. Ideally located just minutes from I-10, downtown Boerne, Fair Oaks Ranch Golf & Country Club, premier shopping, dining, entertainment, and top-rated schools, 28722 Front Gate delivers the perfect blend of luxury living, convenience, and timeless appeal. Schedule your showing today!
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.
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.
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.
When assuming the existing mortgage as part of a home purchase, the buyer has to cover the seller’s equity in the home. The seller’s equity is the purchase price minus the remaining mortgage balance. This amount must be covered in full through an all-cash down payment or by taking out a second mortgage.
Yes. Non-veterans can assume a VA loan, provided they meet the lender’s VA criteria. When a qualified buyer assumes a VA mortgage from a veteran or active-duty service member, the seller’s VA loan entitlement remains tied to the assumed loan until the buyer pays off or refinances the loan. This process restores the veteran seller’s entitlement, enabling them to use their VA benefit for a future home purchase.
Yes. All FHA loans are assumable by law as long as the buyer meets the FHA’s credit, income, and qualification requirements and obtain lender approval before assuming the loan (per FHA regulations effected December 15, 1989). Roam makes this process simple for buyers.
Generally, conventional loans are not assumable. In rare cases, a conventional loan may be assumable with lender approval. Use our search tool to find homes with assumable low-rate loans, or reach out to us if you’d like to confirm a specific home’s assumability.
