Stunning Mediterranean-Style Home in the Desirable Aliento Gated Community! This beautiful 4-bedroom, 3-bathroom home offers a perfect blend of modern amenities and traditional charm. With one bedroom and a full bathroom on the main floor, its ideal for guests or extended family. Step into the inviting foyer and be greeted by a spacious open floor plan, wood-look laminate flooring, and soaring ceilings. The living room features double sliding glass doors that open to a covered Arizona-style outdoor living space and a pool-sized rear yardperfect for entertaining or relaxing outdoors. The gourmet kitchen is a true centerpiece, boasting a large center island with breakfast bar seating, granite countertops, stainless steel sink, pendant lighting, abundant cabinetry, high-end stainless steel appliances, a custom tile backsplash, and an extended counter area. A large pantry and a butlers pantry provide plenty of storage and entertaining space. Just off the kitchen, an office nook with a built-in desk offers a convenient work-from-home solution. Upstairs, youll find a versatile loft area (could be a fifth bedroom), two additional bedrooms, and a spacious hallway bathroom with a double sink vanity. The luxurious primary suite is filled with natural light, features a large walk-in closet, and a spa-like bathroom with quartz countertops, dual vanity, soaking tub, and separate walk-in shower with seamless glass doors. Additional features include recessed lighting, dual-controlled central AC/heat, a tankless water heater, upstairs laundry, and a two-car direct access garage. Leased solar panels enhance energy efficiency. Residents of the gated Aliento community enjoy an exceptional array of resort-like amenities. The Terrace, the communitys recreation area, has a clubhouse, lap and family swimming pools, childrens splash pad, poolside cabanas, fitness center, bocce ball courts, and outdoor recreation spaces.? Green spaces and lawns provide plenty of room for outdoor play, picnics, and community events, along w/ barbecue areas and fire pits.?Scenic walking and hiking trails wind throughout the community and connect to nearby public trailheads, offering miles of pathways to explore the foothills.? A dog park within Aliento provides a fun, social space for four-legged residents. All of these outstanding amenities are included for homeowners through one low HOA fee, making Aliento a true lifestyle destination in Santa Clarita.
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.
