8924 Ranger Summit Rd Temple, TX 76502
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About this home
Welcome to 8924 Ranger Summit Rd, Temple, TX, a stunning home in the highly desirable Lake Pointe Terrace community. This spacious two-story residence offers 5 bedrooms, 2.5 baths, and a versatile loft/media room, providing nearly 3,000 sq. ft. of thoughtfully designed living space. With soaring ceilings, abundant natural light, and an open-concept floor plan, this home blends comfort, style, and functionality for modern Texas living. The family room flows seamlessly into the dining area and gourmet kitchen featuring granite countertops, an oversized island, sleek cabinetry, and plenty of prep space for gatherings or entertaining. The primary suite, located on the main floor, is a private retreat with dual vanities, soaking tub, separate shower, and a generous walk-in closet. Upstairs you’ll find four spacious bedrooms, a full bath, and a large loft/media room ideal for a home office, playroom, or second living space. Step outside to enjoy a private backyard perfect for grilling, entertaining, or relaxing evenings. The Lake Pointe Terrace neighborhood provides HOA-maintained amenities, a welcoming atmosphere, and convenient access to Lake Belton, shopping, dining, parks, and major highways including I-35, Highway 317, and Loop 363. Zoned to top-rated Belton ISD, this property ensures excellent education with Tarver Elementary, North Belton Middle, and Lake Belton High. Located just 25 miles (approx. 30 minutes) from Killeen and Fort Cavazos (Fort Hood), this home is ideal for military families and veterans. Proximity to VA resources, military medical facilities, and VA loan eligibility make it especially appealing. Additional highlights include closeness to Baylor Scott & White Medical Center, family-friendly recreation, and easy commuting to Temple, Belton, Killeen, and Waco. Don’t miss the opportunity to own this spacious move-in-ready property—schedule your private showing today!
Source: CENTRALTEXAS #591926
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FAQs
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.
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