Experience elevated waterfront living at its finest in this impeccably appointed Bayside residence. Sweeping views of San Diego Bay, the harbor, and the city skyline greet you from virtually every room. The generous balcony, ready for outdoor living, captures panoramic bay views from above, with sailboats, sunsets, the Embarcadero, and Point Loma in full display beneath an endless stretch of blue sky. Inside, warm hardwood floors flow through the open-concept great room, anchored by a chef's kitchen that makes no compromises. All Viking appliances, including built-in wine refrigeration, a professional gas cooktop with stainless hood, sleek dark Snaidero Italian cabinetry with horizontal ribbing, and a quartz island with pendant lighting set the tone for a space that is equally suited to quiet mornings and dinner parties. The living and dining areas extend naturally from the kitchen, framing the skyline through floor-to-ceiling glass. Both bedrooms capture light and views with equal generosity. The primary suite offers a serene retreat, with an ensuite spa bath featuring dual vanities, a soaking tub with marble slab surround, and a separate glass-enclosed marble shower. The second bedroom, bright with windows overlooking the bay and cityscape, adapts effortlessly as a guest room, home office, or both. A second full bath with tub and a dedicated in-unit laundry closet with full-size upgraded stacked machines round out the practical comforts. Addtional features include: electronic smart shades on every window (blackout in the bedrooms, sheer sun shades in the living room) controlled by remote or voice command through the smart home system, a Nest thermostat for precision climate control, two side-by-side parking spaces with EV charger, and an extra-large storage unit. With access to Bayside's premier amenities and an address at the water's edge, this residence delivers the quintessential San Diego metropolitan lifestyle. Common areas went through an extensive renovation in 2025. Widely regarded as one of the top buildings in all of San Diego, Bayside enjoys some of the most luxurious amenities Downtown. 24-hour security, resort-style pool and spa, outdoor kitchen with BBQs, fully-equipped exercise room, sauna and steam rooms, theatre, resident lounge with billiards & full kitchen, conference room, and a unique wine lounge including an oversized wine-chiller for a unique entertainment venue. All this in addition to the coveted lifestyle amenities coastal metropolitan living offers with the Embarcadero, Waterfront Park, and Little Italy all merely steps from your door! Farmers Market and numerous bars and restaurants all nearby! PLUS: Some of the most reasonable HOA dues for a premier tower in all of Downtown San Diego.
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.
