Rare 2015 Modern Construction in Established Windcrest Heights - Better Than New! Description: Why settle for a "fixer-upper" when you can have modern luxury? Welcome to 6538 Wind Trace, a stunning 2,959 sq. ft. residence that stands out as one of the newest and most energy-efficient homes in the sought-after Windcrest Heights U-III subdivision. Built in 2015, this 5-bedroom, 2.5-bathroom home offers the perfect marriage of a contemporary open-concept layout and the charm of a mature, quiet neighborhood. The Chef's Experience: Forget the cramped kitchens of the past. This home features a true Chef's Kitchen designed for entertaining, complete with sleek cabinetry, premium double ovens, and expansive counter space. It flows seamlessly into the sun-drenched living room, where high ceilings and a cozy fireplace create an inviting atmosphere for grand gatherings. Versatility & Space: With nearly 3,000 sq. ft., this floor plan is built for the modern lifestyle. Whether you need a massive home office, a dedicated media room, or a private gym, the secondary living areas provide the flexibility you've been looking for. The primary suite is a true sanctuary, while four additional oversized bedrooms ensure everyone has their own space. Outdoor Living: Step outside to your private backyard oasis. The covered patio is "Texas Summer" ready-perfect for alfresco dining while watching the kids or pets play on the pristine, low-maintenance lawn. The 2015 Advantage: Energy Efficiency: Lower utility bills thanks to modern insulation and HVAC. Peace of Mind: No dated wiring, plumbing, or foundation worries. Turn-Key: It truly feels "Like New"-just bring your furniture and move in. Location: Minutes from local amenities with easy access to San Antonio's major hubs, this is the rare opportunity to own a 10-year-young home in a neighborhood known for its timeless appeal. Price: $339,000. Don't wait for the weekend-schedule your private tour today before the "Newest House on the Block" is gone!
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.
