Commanding a premier 1.31-acre hilltop setting, this exceptional gated estate offers breathtaking, unobstructed panoramic views, unrivaled privacy, and a lifestyle defined by luxury, serenity, and modern innovation. Accessed via a private road that leads to your own gated entrance, the sense of arrival is both impressive and unforgettable. Beyond the gates, a world of refined outdoor living unfolds. Designed to rival a private resort, the grounds showcase a sparkling pool, an enclosed sunroom for year-round enjoyment, a covered patio anchored by an inviting outdoor fireplace, and an elevated view deck perfectly positioned to capture sweeping vistas and unforgettable sunsets. Lush, park-like landscaping surrounds the estate, creating a setting that is both tranquil and inspiring. Inside, the single-story residence exudes understated elegance, seamlessly blending modern sophistication with timeless architectural character. The chef’s kitchen serves as the centerpiece of the home, thoughtfully appointed with dual farmhouse sinks, a pot filler, an expansive pantry, and an open-concept design ideal for both intimate living and grand-scale entertaining. Rich engineered wood flooring flows throughout, while three beautifully appointed fireplaces add warmth, depth, and ambiance to the living spaces. A private, front-positioned ADU/in-law suite offers exceptional versatility—perfectly suited for multi-generational living, guest accommodations, or curated income potential. The estate continues to impress with a detached approximately 1,000 square foot garage, complete with a dedicated office, fitness space, and the potential for future ADU conversion—offering endless possibilities to tailor the property to your lifestyle. Outdoors, a private orchard setting enhances the estate’s charm, featuring several mature fruit trees, including impressive avocado trees exceeding 30 feet in height, alongside mandarin, lemon, and orange varieties. The entire landscape is sustained by a private well, delivering both efficiency and long-term value, and is further enhanced by a state-of-the-art B-hyve smart irrigation system—allowing you to control the entire sprinkler system effortlessly from your phone with the touch of a button. Thoughtfully integrated technology enhances both convenience and peace of mind throughout the property, including a comprehensive surveillance system and smart-enabled features that support seamless, remote management of the estate—whether you are home or away. Additional structures throughout the property further elevate its appeal, including a refined outdoor entertaining pavilion featuring a custom-built bar an ideal setting for hosting memorable evenings beneath the stars. Fully enclosed and secured with an electric gate, private drive, block wall, and advanced security features, the estate offers an unparalleled sense of privacy and control—while remaining just moments from premier shopping, dining, and top-rated schools. This is more than a residence—it is a legacy property—where elevated design, intelligent technology, and timeless beauty come together to create a truly exceptional living experience.
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.
