Model-Perfect Luxury in Eastlake Trails North! An absolute showstopper tucked away in a quiet cul-de-sac within Chula Vista’s most prestigious master-planned community (91914). Extensively and meticulously remodeled from top to bottom, this turnkey residence exudes a "brand-new" feel and offers a seamless, light-filled layout boasting 4 bedrooms, 3.5 bathrooms, a massive upstairs loft, and an attached garage across an estimated 2,150 sq. ft. of pristine living space (Buyer to verify square footage, as it feels significantly larger!). Every inch of this home has been thoughtfully upgraded. Step inside to soaring ceilings, an abundance of natural light, and a cozy family room fireplace. The heart of the home is the fully remodeled, show-stopping gourmet kitchen, beautifully designed with black/grey counters, premium finishes, and a flowing layout that opens directly to the living spaces. Designed for ultimate flexibility, the floor plan features two primary suites—including a highly coveted ground-floor master suite with a full bath, plus a second spacious primary suite upstairs. The upper-level loft has been upgraded with brand-new flooring, making it the perfect playroom, media hub, or home office. Additional high-value features include fresh interior and exterior paint (including the garage), a full-sized laundry room, an EV Tesla Charger, and a leased solar system to keep energy costs low. Step outside into your own private oasis. The backyard has been completely transformed and fully remodeled, offering an ultra-private, manicured space perfect for weekend BBQs, outdoor dining, and relaxing in the beautiful San Diego weather. Located in the highly desirable, family-centric enclave of Eastlake Trails North, this home offers an unparalleled suburban lifestyle with access to resort-style amenities. Pristine swimming pools, lounge spaces, and family gathering facilities. Steps from Salt Creek Park & Soccer Arena, Eastlake Little League fields, and scenic pocket parks. Miles of interconnected walking, jogging, and biking paths linking the neighborhood. Minutes from award-winning schools, including Eastlake Middle and Eastlake High School. Enjoy effortless commuting with fast access to the SR-125 South Bay Expressway, putting Downtown San Diego, local beaches, and the border just a short drive away. You are also just minutes from shopping and dining at Eastlake Village Walk, the Otay Lakes reservoir, and the Chula Vista Elite Athlete Training Center. Don't miss the chance to own this immaculate, upgraded masterpiece. It’s just a matter of time before this one is gone—schedule your tour today!
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.
