Welcome to 23 Via Honrado—where effortless living meets a beautifully remodeled home in the heart of delightful Mission Courts. Tucked behind a freshly painted private gate, this ground level, no-stairs residence invites you in with a sense of ease from the very first step. The oversized, enclosed patio feels like your own outdoor retreat—perfect for morning coffee, quiet evenings, or hosting friends—surrounded by refreshed stucco walls and lush, low-maintenance greenery. Inside, every detail has been thoughtfully curated to create a completely turnkey experience. Wide-plank, commercial-grade white oak luxury vinyl flooring flows throughout, complemented by crisp new baseboards, solid wood doors, and brushed metal hardware. Fresh neutral paint, recessed lighting bring a clean, modern feel - while thoughtful, high-end upgrades like a smart thermostat, Kinetico whole house water system, reverse osmosis and ADA accessibility bring effortless comfort to daily living. The brand-new kitchen is both timeless and functional, featuring white quartz countertops, solid wood shaker cabinetry with custom under lighting, a farmhouse-style sink and sleek brushed nickel finishes. Enjoy newer appliances (many with warranties), plus a refrigerator included—making move-in seamless. The living room is bright and inviting, with large windows framing your private patio, while the dining area is perfectly anchored by a ceiling fan for everyday comfort. A stacked in-home laundry (washer/dryer less than a year old) adds to the home’s practicality. Your bedroom is a peaceful escape with mirrored closet doors, a ceiling fan, and soft natural light. The fully remodeled bathroom offers a spa-like feel with new cabinetry, updated fixtures, a resurfaced tub, and dual shower heads. Beyond the home, enjoy a one-car garage and access to Mission Courts’ amenities—pool, spa, greenbelts, BBQ areas, and playground—plus the unmatched lifestyle of SAMLARC, featuring a beach club, lagoon, lake activities, resort-style pools, and year-round community events. Walk to the lake, dining, shopping & fitness. Bike to trails and O’Neill Regional Park— nature, convenience, and community are just outside your doorstep. Whether your starting out or simplifying your lifestyle, this is more than a home - it’s your everyday retreat! Your best life starts here!!
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.
