THE ULTIMATE CENTRAL MURRIETA UNICORN—FEATURING A RARE 2.75% VA-TO-VA ASSUMABLE LOAN, NO HOA, PRIME LOCATION, AND RESORT-STYLE LIVING! This beautifully remodeled 5-bedroom residence delivers the perfect blend of modern upgrades, financial opportunity, and everyday convenience. A qualified Veteran buyer can assume the seller’s fixed 2.75% VA loan (approx. $588,039.97 balance), offering extraordinary monthly savings of over $1,300 compared to current market rates. Full substitution of entitlement required. Step inside to discover over $100,000 in luxurious improvements throughout. The Gourmet Kitchen showcases extended quartz countertops, designer tile backsplash, stainless steel appliances, and a premium undermount sink. Spacious living areas are enhanced with waterproof Luxury Vinyl Plank flooring, newer custom carpet on the stairs, updated fixtures, and elegant architectural shutters. A rare downstairs 5th bedroom with its own private exterior entrance provides outstanding flexibility for guests, a home office, fitness space, or multigenerational living. Energy efficiency and future-ready upgrades elevate this home even further. A robust 240-AMP electrical panel supports high-capacity needs or EV charging. The newer high-efficiency HVAC system (installed Nov 2025), smart thermostat, and high-capacity 31-panel solar lease help keep utility costs manageable year-round. Step outside to your private resort-style oasis. The Pebble-finish saltwater POOL & SPA features custom accent tile, gorgeous lighting, and full automation—control heat, spa functions, and ambiance right from your smartphone. The low-maintenance backyard is an entertainer’s haven with a BBQ station, matching storage shed, durable vinyl fencing, and ample patio space for lounging or gatherings. Located in the heart of Murrieta between the 15 and 215 freeways, this home offers unbeatable access for commuters. Families will love being just two houses from E. Hale Curran STEM Elementary and zoned for top-rated Murrieta schools, including Murrieta Mesa High and McElhinney Middle—recognized among California’s best. All of this is set in one of the safest cities in America, making this home an exceptional value where high-end style meets an incredible financing opportunity. This turnkey gem truly checks every box—luxury upgrades, a dream backyard, a one-of-a-kind 2.75% interest rate option potential, and a great location!
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.
