Welcome to this truly stunning, fully remodeled ranch-style home in one of Hesperia's most sought-after neighborhoods. Beautifully reimagined from top to bottom, this impressive residence offers 4 spacious bedrooms, including 1 conveniently located downstairs, and 3 beautifully updated bathrooms across approximately 2,809 square feet of refined living space, all situated on a massive 18,000+ sqft lot. Step inside and enjoy an abundance of natural light that fills the open, thoughtfully designed floor plan. The elegant living room showcases updated lighting, designer flooring, and a cozy fireplace, creating the perfect setting for both everyday living and entertaining. At the heart of the home is the show-stopping chef's kitchen, featuring modern built-in appliances, custom cabinetry, quartz countertops and a separate mini bar w/ sink area ideal for hosting guests or enjoying family gatherings. Each bedroom has been designed with comfort and style in mind, including the spacious primary suite, which serves as a true retreat. The primary bedroom features a spa-like en-suite bathroom complete with a walk-in shower, soaking tub, and a generous walk-in closet. The remodeled bathrooms throughout the home feature high-end finishes, modern tile work, and designer fixtures. Step outside to the expansive backyard offering exceptional versatility with RV access large enough for trucks, cars, boats, and all your toys, plus endless possibilities for outdoor living, storage, or future customization. The workshop shed adds even more functionality to this incredible property. Additional upgrades include a finished 3-car garage, New AC/Heat unit, premium flooring, custom cabinetry, freshly painted inside/out, new water valves inside, new water heater, and septic tank pumped and certified., just to name a few. Ideally located in a prime, commuter-friendly neighborhood near top-rated schools, beautiful mountain surroundings, and just minutes from the 15 Freeway, this move-in ready home truly shows like a model. A must see. Not to be missed. MOST UPGRADED AND BEST PRICED IN THE DIRECT AREA.
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.
