I pull into the quiet cul-de-sac and feel the day slow down. At 25454 Alpine Ct, life feels easier the moment I arrive home. This single-story pool home sits tucked away in one of Murrieta’s most peaceful and safest neighborhoods, where kids play outside and neighbors wave as they pass. Inside, vaulted ceilings stretch across the main living spaces, filling the home with light and openness. Elegant modern tile welcomes me at the entry before flowing into luxury vinyl plank flooring throughout. The kitchen quickly becomes the center of everything — marble-style granite counters, stainless Samsung appliances, recessed lighting, pantry, and a breakfast bar that invites conversation. From the breakfast nook, wall-to-wall windows frame the backyard, and that’s where my eyes always go. The backyard is where we live. Sliding doors open from the family room and suddenly the house expands outdoors. Friends gather by the pool, kids run across the open lawn, and the scent of mandarin, lemon, and avocado trees drifts through the air. Weekend afternoons turn into evening dinners, and summer nights stretch longer under the stars. This space was made for entertaining and making memories. When the day winds down, the primary suite feels like a retreat. Set at the back of the home, it looks out over the yard and pool. The remodeled bath offers a spa-like escape with a marble tile walk-in shower, frameless glass, a soaking tub beneath oversized windows, dual vanities, and a private water closet. Two additional bedrooms are spacious and welcoming, each with window sitting nooks, while the updated hall bath features a modern vanity and tiled walk-in shower. Owned solar means no electric bill, helping keep monthly costs low, along with low property taxes and no HOA — rare and valuable features. A three-car garage with loft storage and indoor laundry add everyday convenience. Located minutes from Los Alamos Hills Sports Park, top-rated Murrieta schools, shopping, dining, and with quick access to both the I-15 and I-215, this home is perfectly positioned for family life. This isn’t just a home — it’s where life slows down and memories are made.
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.
