Welcome to refined living in Wind Gate Ranch, a tranquil, park-like community in Northwest San Antonio. Situated on an expansive 0.37 acre corner lot, this beautifully maintained 4 bedroom, 3.5 bath, with a 3 car garage offers approximately 3,482 square feet of thoughtfully designed living space, ideal for buyers seeking room to spread out, entertain, and work from home. From the moment you arrive, professionally landscaped grounds and exceptional curb appeal set the tone. Inside, a dramatic wall of windows fills the home with natural light, highlighting the impressive 18-foot ceilings in the main living area and a cozy gas fireplace that anchors the space. Upgraded modern light fixtures enhance the home's clean, contemporary feel. The spacious chef's kitchen features GE appliances, a breakfast bar, abundant cabinetry, and casual dining space, complemented by a formal dining room and dedicated private office on the main level. The primary suite offers a relaxing retreat with removable solar screens for added comfort and restful sleep. Upstairs, a guest bedroom with ensuite bath, two additional secondary bedrooms, a large game room or second living area, and a media room with surround sound provide flexibility for entertaining, hobbies, or multi-generational living. A convenient coffee bar adds every day functionality. The oversized epoxy coated 3 car garage includes upgraded electrical with 20 amp 110 volt and additional 220 volt outlets, ideal for projects, storage, or workshop use. Recent improvements include a brand new water softener (Jan 2026) and a Trimlight permanent programmable exterior lighting system, easily controlled via smartphone for year round ambiance or holiday displays. Outdoor living shines with a covered epoxy finished patio overlooking a lush, meticulously maintained backyard, creating the perfect setting for quiet evenings or hosting guests. Conveniently located near HEB Plus, Alamo Ranch shopping and dining, major hospitals, and top rated schools, including Harlan High School, this home also offers easy access to Loop 1604 and Culebra, where final infrastructure improvements are nearing completion. This exceptional Wind Gate Ranch property combines space, upgrades, location and lifestyle. 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.
