A Rare Find in Victorville! Ready to fall in love? This one is special! This exceptional 4 bedroom, single-story home in one of Victorvilles most desirable neighborhoods is a true gem lovingly cared for by the original owner with pride of ownership evident in every detail. Loaded with premium upgrades and meticulously maintained, this move-in-ready beauty combines modern luxury, thoughtful functionality, and timeless appeal. Step inside to discover soaring high ceilings and a beautifully designed open-concept floor plan that creates a bright, spacious, and welcoming flow perfect for everyday living and entertaining. The gourmet kitchen is a standout, featuring high-quality Whirlpool appliances, a generous walk-in pantry, elegant 18x18 Travertine tile, rich laminate wood flooring, plantation wood shutters, LED under-cabinet lighting, and recessed lighting with dimmers throughout. Every room is equipped with ceiling fans featuring remote dimmers, mirror tint on all windows, a newer HVAC system, water pressure regulator, LED lighting throughout, and a security entrance that provides comfort, efficiency, and peace of mind. The luxurious primary suite is your private retreat, complete with a large seating area, a spacious spa-like bathroom, and an oversized walk-in closet. The three additional bedrooms are generously sized and perfectly positioned for family, guests, a home gym or office. The impressive 3-car garage (two separate bays) offers incredible versatility with limousine-dark tinted windows and backup battery systems ideal for vehicles, hobbies, storage, or a workshop. Outside, enjoy year-round relaxation and entertaining under the fully permitted, wall-to-wall Alumawood covered patio. The backyards tasteful rock landscaping comes alive at night with custom colored accent lighting, creating a stunning, resort-like ambiance youll never want to leave. This home has it all and the countless thoughtful upgrades truly need to be seen in person to be fully appreciated! Properties like this dont last long. Make your appointment to see it today.
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.
