Discover this exceptional Executive Pool Home in the highly sought-after Skyline Ranch neighborhood. Offering four bedrooms (including one downstairs) and four bathrooms across more than 3,600 square feet of thoughtfully designed open concept living space, this residence effortlessly blends comfort and sophistication. Step inside to a grand entry with soaring ceilings and an abundance of natural light. Just off the foyer, a versatile space functions beautifully as a dedicated office, formal living room, or elegant dining area. Enjoy wide plank flooring throughout the main living areas, complemented by light and bright paint selections, designer lighting and ceiling fans, recessed lighting, and expansive windows that flood the home with natural light. The stunning kitchen is a true centerpiece, featuring crisp white shaker cabinetry, a walk-in pantry, professional-grade stainless steel appliances, a refrigerator with glass display doors, quartz countertops, a statement backsplash, and an oversized island with seating for three. The adjoining great room offers generous space for gathering and seamless access to the entertainer’s backyard. A separate flex space complete with built-in cabinetry and two beverage coolers, makes the perfect game room, home theater, or private gym. The downstairs guest wing includes a spacious bedroom and full bath, ideal for visitors or multigenerational living. Upstairs, plush carpeting, oversized windows, and charming neighborhood views create a warm and inviting retreat. The primary suite features a large walk-in closet and a luxurious ensuite bath with dual quartz vanities, an oversized soaking tub, and a walk-in shower. Two additional generously sized bedrooms, a hall bath with private shower room, a spacious loft, and a well-appointed laundry room with abundant storage and counter space complete the upper level. Outdoors, enjoy your own covered “California Room,” a private pool, and a professionally designed low-maintenance yard with artificial turf and quality hardscape. Modern conveniences include a solar system, tankless water heater, and direct access two car garage. Residents enjoy exclusive access to The Lookout and Base Camp amenities, including clubhouses, fitness centers, resort-style pools and spas, parks, hiking trails, and playgrounds. Ideally located near top-rated schools, shopping, dining, and convenient freeway access!
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.
