MOUNTAIN VIEWS, COASTAL BREEZES, RESORT-STYLE AMENITIES, PAID SOLAR, and 3% VA ASSUMABLE LOAN!!! Perched on an elevated lot within a sought-after gated community, this stunning 3-bedroom, 3-full-bath home delivers the lifestyle San Diego buyers are searching for — breathtaking semi-panoramic views, refreshing coastal breezes, and a tranquil neighborhood setting that feels like a private retreat. The thoughtfully designed floor plan offers rare flexibility with a full bedroom and en-suite bath on the entry level — ideal for guests, multigenerational living, or a private home office setup. Upstairs, the open-concept living area flows effortlessly to a gorgeous balcony where mountain views steal the show morning, noon, and evening. The chef-inspired kitchen features soft-close cabinetry, gleaming stainless steel appliances, a newer stainless steel refrigerator, and a showstopping farmhouse sink that anchors the space with character and function. The smart door lock, video doorbell, and smart thermostat pair seamlessly with a paid-off 10-panel solar array — delivering modern security, comfort, and energy efficiency from the moment you arrive home. Step outside your door and into resort-style living. The community amenities are truly unmatched — sparkling pool, elegant clubhouse, tennis, basketball, and pickleball courts, a well-equipped gym, and miles of scenic hiking trails. Dixon Lake is just moments away, adding a serene natural backdrop to everyday life. Commuters and weekend explorers alike will love the convenience — quick freeway access, top-rated restaurants, and local shops are all within easy reach. This is more than a home. It is a lifestyle upgrade.
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.
