One of the largest homes in Viadana offers something increasingly hard to find: room for everyone without sacrificing comfort, privacy, or flexibility. Set on a quiet cul-de-sac in Carlsbad's highly desirable Aviara area, this nearly 4,000 sq. ft. residence has a resort-style backyard designed for entertaining, relaxing, and making memories for years to come. Multiple gathering spaces give the home an open, connected feel. From the grand entry, the layout flows between the formal living and dining rooms, kitchen, and family room, creating an ideal setting for entertaining and everyday life. At the heart of the home, the updated kitchen features Bosch appliances, marble backsplash, generous prep space, and an open connection to the family room. French doors open the dining room to the backyard, while a butler's pantry links it to the kitchen. A dedicated home office and oversized first-floor suite with a walk-in closet and nearby full bath provide a rare level of versatility for multigenerational living, guests, or a private workspace. Upstairs, the primary retreat features a fireplace, sitting area, spa-inspired bath, and private balcony overlooking the backyard and pool. Two bedrooms share a Jack-and-Jill bath with dual vanities, while a third features its own ensuite. Upstairs laundry includes a new LG washer and dryer. The extra-large bonus room opens to a large private balcony and serves equally well as a media room, game room, home gym, creative studio, third living area, or teen retreat. Outside, a PebbleTec pool with beach entry, waterfall slide, and fountain anchors the resort-style backyard, while the 11,550+ sq. ft. homesite provides the space, privacy, and flexibility to entertain, relax, and enjoy Carlsbad's year-round climate. Located within the highly regarded Carlsbad Unified School District and served by award-winning Aviara Oaks Elementary and Middle Schools, the home is minutes from Batiquitos Lagoon, Aviara Golf Club, Alga Norte Community Park, Dove Library, shopping, dining, and Carlsbad's beaches. An easy stroll to Cinépolis Luxury Cinemas for dinner and a movie, spend weekends exploring lagoon trails, or enjoy everything that makes Aviara one of North County's most sought-after communities. From multigenerational living to unforgettable pool days, this is a home built to grow with the people who live in it.
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.
