Welcome to your private retreat in Pintura, one of South Palm Springs' most sought-after gated communities. This exquisite 3-bedroom, 3.5-bath Spanish Mediterranean home with den captures the romance of a 1920s Tuscan village, complete with charming cobblestone streets, dramatic mountain views, and the intimate atmosphere that makes Pintura truly special.Step through the inviting Spanish courtyard--featuring its own fireplace perfect for evening gatherings under the stars--into a home designed for both grand entertaining and intimate living. Soaring ceilings crown the great room, where a second fireplace adds warmth and ambiance. The open floor plan flows seamlessly through French doors to outdoor living spaces, creating the quintessential indoor-outdoor The gourmet kitchen commands attention with a huge center island, gleaming quartz countertops, stainless steel appliances, and ample custom cabinetry--a chef's dream for culinary creativity and dinner parties alike. This thoughtfully designed home features two luxurious master suites, providing flexibility for multi-generational living or hosting guests in style. The third bedroom is a private casita with spectacular mountain views and separate access--perfect for guest accommodations, in-law suite, or home office retreat.A versatile den provides additional workspace. Your private backyard oasis features a sparkling saltwater pool and spa framed by breathtaking mountain vistas. The side yard patio garden creates additional entertaining space or serene meditation areas, while mature landscaping ensures privacy and desert beauty year-round.The 2-car garage includes a convenient workbench nook for projects and hobbies.Pintura's Italian-inspired architecture and fee-simple land ownership create an exclusive 64-home enclave that feels like stepping into a Mediterranean village. Charming cobblestone streets wind through the community, while South Palm Springs' prime location offers protection from desert winds and proximity to world-class hiking trails, shopping, dining, and entertainment.Leased solar system helps minimize utility costs--a smart advantage for year-round desert living.This is more than a home--it's a lifestyle. From the romantic courtyard with its evening fireplace to pool-side mountain sunsets, every element embraces the art of desert living. Pintura's intimate community, combined with this home's exceptional design and versatility, creates an unparalleled Palm Springs experience.
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.
