Welcome to this beautifully maintained, single story home built in 2021! Perfectly situated on a quiet cul-de-sac with golf course views and no direct rear neighbors and NO HOA!!! Offering 3 bedrooms, 2 bathrooms, a BIG LOT of approximately 9,438 sq. ft. and a desirable open-concept floor plan, this move-in-ready property combines modern design, energy efficiency, and SMART home convenience. The spacious kitchen serves as the heart of the home, featuring a large center island, granite countertops, stainless steel appliances, abundant cabinet storage, and an open flow leading you into the living and dining areas—ideal for both daily living and entertaining. High ceilings, plantation shutters throughout and pride of ownership create a bright and inviting atmosphere. The generously sized master bedroom includes a walk-in closet, a spacious master bathroom with dual sink vanities and granite counter tops. All bedrooms offer walk-in closets, providing excellent storage throughout the home. Additional conveniences include an indoor laundry room, dimmer switches in all the bedrooms, an attached two-car garage and 2 sliding glass doors leading to the backyard. Designed with energy efficiency in mind, the home features a Sunrun solar system, Tesla Powerwall battery backup, and smart home technology including a Vivint security system with cameras and door/window sensors. Step outside to enjoy the spacious backyard featuring a covered patio, newer vinyl fencing and plenty of room to create your own dream outdoor space. Enjoy the added privacy, beautiful golf course surroundings and scenic mountain and desert views. Conveniently located near shopping, schools, parks, and easy freeway access for commuters, this exceptional property offers the perfect combination of newer construction, smart technology, energy efficiency, privacy and value. Don't miss the opportunity to own a turn-key home with premium upgrades in one of Victorville's most desirable locations!!
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.
