Set on a peaceful street in the heart of Central Simi Valley, 3067 Harrison Lane offers space, comfort, and thoughtful upgrades that you'll appreciate more with every passing day. With three bedrooms and 2.5 bathrooms spread across a well-designed floor plan, the home feels welcoming, functional, and effortlessly livable. The kitchen is the true gathering place, designed for people who actually love to cook and connect. A built-in 6-burner cooktop, counter-depth refrigerator, and integrated appliances make meal prep feel seamless, whether you're hosting friends or cooking a weeknight dinner. Even the everyday details have been considered--from the included washer and gas dryer with pedestals to systems that quietly work behind the scenes. This home is packed with smart, future-ready upgrades: fully owned solar (no lease, no payments), a tankless water heater, whole-house water softener, and a reverse osmosis system connected to both the kitchen faucet and ice maker. Add in an EV charger in the garage and a video doorbell, and it's clear this home was designed for modern living. Parking is easy with a split two-bay garage plus driveway space for a third car. Beyond your front door, the community feels like an extension of the home. There are shaded play areas, a gated private park with picnic tables and BBQs, fire pits for evening gatherings, garden plots, and a resort-style pool with restrooms and showers nearby. HOA dues cover front and side yard landscaping along with maintenance of the shared spaces, so weekends stay relaxed and low-stress. One of the most loved features? Direct gated access to Trader Joe's and Target, with Starbucks and 85C Bakery just steps away--errands and morning coffee couldn't be more convenient. There's even an additional community EV charging station near the mailboxes. Close to top-rated schools, parks, shopping, and dining, this is a home that blends comfort, efficiency, and community in a way that truly supports everyday life. It's not just well maintained--it's well thought out, and it shows.
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.
