13007 Rambling Oak, San Antonio, TX 78232
4 beds · 4 baths · 3,135 sqft
Welcome to 13007 Rambling Oak, a stunning 4-bedroom, 3.5-bath, 3,135 square-foot home that has been completely and thoughtfully remodeled from top to bottom. Located in one of the most desirable areas of San Antonio, this beautifully updated property offers modern elegance, premium upgrades, and unbeatable convenience. Just minutes from McAllister Park, Highway 281, and Wurzbach Parkway, this Northside gem provides easy access to top-rated schools, shopping, dining, and recreation. Step inside to discover an open and refined layout with smooth finish walls and all-new vinyl windows that fill the home with natural light. The fully renovated kitchen is a true showstopper, featuring custom maple cabinetry extended to 9-foot ceilings, luxurious quartz countertops, and a high-end Wolf induction cooktop with rear downdraft ventilation. The primary suite is a private retreat, offering a fully remodeled spa-like bath complete with a low curb frameless shower, air jet tub, and elegant marble counters. The custom walk-in closet includes a beautifully built-in storage system and granite island for effortless organization. Upstairs, you'll find gorgeous maple flooring throughout, as well as updated bathrooms with new tile, granite counters, and custom cabinetry. The first floor showcases sleek porcelain tile, complementing the modern aesthetic carried throughout the home. Outdoor living is just as impressive, with a stamped concrete pathway, expanded driveway, screened-in patio, and custom landscape design plans that frame the exterior with intention and style. A detached shed offers additional storage, while the garage features an epoxy-coated floor and built-in metal storage cabinets with a workbench. Additional upgrades include a full home window replacement, smooth finished interior walls, and a Rinnai tankless water heater for energy efficiency and comfort. Every detail of this property has been curated with quality and lifestyle in mind, making 13007 Rambling Oak a true standout in today's market. Don't miss this rare opportunity to own a move-in ready, turn-key home in one of San Antonio's most sought-after locations.
Source: SABOR #1855295
Source: SABOR #1855295
To qualify, you must meet the current FHA or VA 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%. 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.
FHA (Federal Housing Administration) loans
FHA loans require the buyer to assume the mortgage as a primary residence. When you apply for the loan, you must attest that the home will be your primary residence for 12 months to be approved for an FHA assumption. Most lenders will ask that you move in within 60 days.
VA (Veteran's Affairs) loans
You don't have to be a veteran to assume a VA loan. However, not all veterans are willing to let a non veteran assume their mortgage. Roam confirms the seller's willingness prior to you making an offer.
Investors
You may be able to assume a VA mortgage as an investor without it being your primary residence.
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 “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.
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 620, 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.
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.