Welcome to 12282 Blue Sky Ct, located in the highly desirable The Groves at Whittier in Whittier, one of the areas most sought-after newer communities known for its vibrant, resort-style lifestyle and incredible convenience. This beautifully maintained home features one of the most desirable and functional floor plans in the community, designed to maximize comfort, natural flow, and everyday livability. The floor plan offers an open and inviting feel, with spacious living areas that connect seamlessly to the kitchen and dining spacesperfect for both relaxed family living and entertaining guests. The layout offers all bedrooms upstairs, with the primary suite having two large customized walk-in closets and generously sized upstairs laundry area for ultimate convenience. This home also has EV Charging, Paid off Solar, and Epoxy flooring in garage. The home has been meticulously cared for and is exceptionally clean and well kept, clearly reflecting pride of ownership. From the moment you walk in, youll notice how bright, comfortable, and welcoming the space feels, making it easy to imagine settling in and enjoying everything the home and community have to offer. Living in The Groves means more than just owning a homeits about enjoying a true resort-style community experience. Residents have access to outstanding amenities including two sparkling pools and spa, clubhouse, dog parks, playground, and beautifully landscaped walking paths throughout the neighborhood. Its a community designed for connection, relaxation, and an active lifestyle. One of the biggest highlights is the walkable convenience to nearby shops, Stater Brothers, Rodeo 72 Food Hall, In-N-Out and other popular restaurants, cafes, and EOS gym, making it easy to enjoy morning workouts, meet friends for coffee at Philz Coffee, or grab dinner without needing to drive far. The neighborhood combines modern living with the charm of a well-planned community where everything you need is just minutes away. Homes in this community are highly sought after, and opportunities like this dont come along often. 12282 Blue Sky Ct offers the perfect combination of a desirable floor plan, excellent condition, and an unbeatable lifestyle in one of Whittiers most popular neighborhoods.
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.
