Resting atop Rose Hill, just below Montecito Heights and overlooking the rolling hills of El Sereno and the San Gabriel Mountains beyond, The Beryl House is a study in light, landscape, and modern restraint. Built in 2009 yet deeply inspired by California modernism, the residence unfolds as a series of carefully framed moments, where expansive corner windows capture panoramic vistas and transform the surrounding landscape into a living work of art. Inside, oak flooring and blackened metal accents establish a warm yet graphic material palette. Architectural picture windows dissolve the boundary between indoors and out, drawing natural light deep into the interiors while keeping the landscape constantly in view. Thoughtfully constructed with copper plumbing, double-pane windows, and an attached two-car garage, the three-bedroom, two-bath residence balances architectural character with everyday functionality. At the heart of the home, the living room serves as its defining space. Elevated above the surrounding neighborhood, it opens to uninterrupted views of the sweeping canyons and mountain ridgeline. With no neighboring homes looking directly into the residence, the experience is one of remarkable privacy, where the landscape itself becomes the focal point. Outside, a generous decomposed-granite terrace extends into the hillside garden, creating a seamless connection between architecture and landscape. Sculptural fern trees, mature bamboo, and drought-tolerant plantings frame the space, lending a sense of permanence and maturity to the grounds. Nestled within the garden, a built-in projection screen transforms the terrace into an open-air cinema beneath the palms. As daylight fades and the hills recede into silhouette, the space takes on a distinctly cinematic quality, equally suited for gatherings with friends or quiet evenings under the stars. Tucked along a private drive in a hillside setting, The Beryl House remains closely connected to the cultural and urban energy of Northeast Los Angeles. Highland Park, Pasadena, DTLA, Keck Medicine of USC, and LAC+USC Medical Village are all just moments away, while Debs Park and Ascot Hills Park provide a natural counterpoint for outdoor enthusiasts with miles of trails and open space. Nearby, dining destinations such as Moo's Craft Barbecue and Hermon's reflect the area's vibrant and evolving culinary scene. Convenient access to the 5, 10, 60, 710, and 101 freeways easily connects the home to the best of Los Angeles. Equal parts hillside retreat and architectural viewpoint, The Beryl House embodies a distinctly Los Angeles ideal: a home immersed in nature, connected to the city, and designed to make the landscape part of everyday life. Here, architecture and landscape create a living experience that feels unmistakably Californian.
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.
