Welcome to 12636 Agave Bay where luxury living meets comfort in one of Victorville’s most desirable neighborhoods. No HOA! From the moment you arrive, this stunning residence makes a powerful first impression with its elegant presence and grand curb appeal in the highly sought after 92392 zip code of Victorville CA. This home is minutes from all the best schools, shopping and freeways making it perfect for the family and those that commute and need to be close to the freeways. As you step through the front door you are immediately greeted by an impressive grand entrance featuring soaring ceilings and tall doorways that create a sense of openness & true luxury. Natural light fills the home and highlights the expansive 3,358 square feet of thoughtfully designed living space, making every step inside feel welcoming. Throughout the entire home you will find newly installed luxury vinyl flooring that gives the home a modern & clean feel. The home was designed with comfort and quality in mind and includes a full home water softening system so every drop of water throughout the property is filtered for a premium experience. The kitchen sink also features its own individual drinking water filtration system for added convenience. The kitchen is both functional and beautiful, showcasing custom Caesar-Stone Quartz countertops imported from overseas that elevate the space with a sleek and sophisticated finish. The spacious finished three car garage provides plenty of room for vehicles, storage, and hobbies and is equipped with a brand new garage door opener for added ease and convenience. Step outside into a peaceful backyard retreat designed for relaxation. Surrounded by mature palm trees, greenery, and natural beauty, the yard offers a calm and private oasis. A staircase leads to an elevated deck that creates the perfect space for sunbathing, relaxing, or enjoying quiet High Desert evenings. This home has a spacious full-size size bedroom and bathroom on the first floor for that extended family, rental income or generational living. Additional features include beautiful window coverings throughout the home and a phenomenal solar system that provides year round energy efficiency and peace of mind when it comes to power usage. This remarkable home offers space, luxury, and thoughtful upgrades throughout and truly stands out as a one of a kind property. Experience the comfort, elegance, and lifestyle that 12636 Agave Bay has to offer. Go See For Yourself!! A MUST SEE!!
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.
