TURNKEY APPLE VALLEY HOME WITH SOLAR, BATTERY BACKUP & PRIVATE SPORTS COURT! This beautifully upgraded 1,695 sq. ft. home offers 3 bedrooms, 2 bathrooms, a 3-car garage, and an impressive list of modern improvements designed for comfort, efficiency, and entertainment. The remodeled kitchen features granite countertops, freshly repainted white cabinetry, a full-height black and gray tile backsplash, reverse osmosis drinking water system, and included LG stainless appliances. LED lighting, plantation shutters, new ceiling fans, upgraded door hardware, custom front entry door, and French doors with internal blinds add style and functionality throughout the home. The spacious primary suite includes a newly remodeled bathroom featuring a walk-in glass shower, river rock flooring, herringbone tile walls, double sinks with Corian countertops, floating shelves, and a large walk-in closet with built-in organization system. Additional closet organization systems provide exceptional storage throughout the home. Energy-conscious buyers will appreciate the upgraded electrical system, including a new 225-amp main panel, dedicated battery backup subpanels, a 9,600-watt solar system, and four Enphase batteries providing 20kWh of energy storage. The home also includes a RainSoft whole-house water purification and softening system, attic air purifier, tankless water heater, and SimpliSafe security system. The oversized 3-car garage offers extensive built-in cabinetry, countertops, shelving, LED lighting, irrigation controls, and water connections for a garage refrigerator. Step outside to your own private recreation retreat! The backyard features a multi-purpose turf sports court configured for pickleball, tennis, basketball, soccer, and volleyball. Additional outdoor amenities include a covered pavilion, hot tub, children's play area with monkey bars and slides, garden space, strawberry patch, mature rose gardens, and numerous fruit-bearing trees including almond, pomegranate, cherry, apple, fig, plum, and dwarf tangerine. Additional features include a durable slate tile roof, detached storage shed with cabinetry and countertop workspace, cypress windbreak trees, and a low-maintenance gravel backyard. This exceptional property combines luxury, efficiency, recreation, and outdoor living all in one incredible package. A truly rare opportunity to own a home that offers something for everyone! Some Photos have been AI altered
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.
