Beautifully Upgraded North Whittier Home in Avocado Heights! Welcome to this spacious and stylish 3-bedroom, 3-bathroom residence located in one of the most desirable pockets of North Whittier / Avocado Heights. Nestled at the end of a quiet cul-de-sac, this home offers 2,208 sq. ft. of comfortable living space (per Assessor) with thoughtful upgrades throughout. As you arrive, you’ll notice the large front yard, mature fruit trees, and the extended driveway leading to a 2-car garage with direct access. The home also features solar panels, offering energy savings year-round. Step inside to a beautifully opened-up floor plan that combines the living room, family room, and dining area into one bright and modern space—perfect for gatherings and everyday living. The centerpiece of the living area is the charming red-brick fireplace, ideal for cozy evenings and holiday seasons. The updated kitchen features a massive center island with bar seating, pendant lighting, black granite countertops, stainless sink, and plenty of cabinet space. The open design allows you to cook while staying connected to guests or family. Two of the bedrooms enjoy direct access to their own private bathrooms, providing extra convenience and privacy. All bathrooms have been tastefully remodeled - one featuring modern charcoal tile, glass mosaic inlays, and a sleek glass shower enclosure. The primary suite is impressively spacious with room for a sitting area, workout space, or home office. Its ensuite bathroom includes elegant cabinetry, oversized floor tiles, and contemporary finishes. Outside, the home offers a peaceful covered patio, block-wall landscaping, and more fruit trees—perfect for entertaining, gardening, or simply enjoying weekend relaxation.
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.
