Set within the Solana enclave of Talega, 17 Camino Azulejo unfolds as a home designed for both connection and retreat, where light, space, and thoughtful transitions shape the rhythm of daily living. The living room welcomes you with soaring double-height ceilings and an abundance of natural light, creating an open and airy first impression. Wood-look tile flooring spans the main level, offering both durability and warmth, while the floor plan draws you inward to a private interior courtyard anchored by a statement fountain, creating a quiet architectural moment at the heart of the home. The layout is both functional and intentional, with a main-level bedroom and full bath offering flexibility for guests, extended stays, or a private office. The family room centers around a stacked-stone fireplace and flows effortlessly into the open-concept kitchen, where a granite island and stainless steel appliances create a natural gathering place. Upstairs, a generous loft offers versatility as a media room, workspace, or potential fifth bedroom. The primary suite is privately positioned and features a spacious bath with dual sink vanity, soaking tub, walk-in shower, and walk-in closet. A private balcony looks out over lush landscaping and mature trees, offering a peaceful setting for morning coffee or evening wind-downs. Two additional bedrooms are thoughtfully situated and share a balcony that provides an elevated vantage point overlooking the neighborhood. Surrounded by greenery and backing to a scenic pathway that leads to Talega Park, the home enjoys a rare sense of privacy with no neighbors directly behind. The backyard, courtyard, and multiple balconies create a series of outdoor spaces designed for both intimate moments and larger gatherings, all framed by natural beauty. Leased solar adds efficiency, while the location places you within one of San Clemente’s most sought-after master-planned communities. Talega offers miles of scenic trails, neighborhood parks, award-winning schools, and a strong sense of community, all just moments from the coastline. A home where indoor and outdoor living are seamlessly connected, offering comfort, privacy, and a refined sense of place within one of San Clemente’s most established communities.
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.
