Set within an upscale private gated community of only eight homes, this exceptional property offers privacy, elevation, and sweeping 360-degree views in one of Agua Dulce's most desirable estate settings. Surrounded by high-end custom residences, the home overlooks the Vasquez Rocks Natural Area, the Santa Clarita Valley, the Angeles National Forest, and the rolling hills leading into Acton. This beautifully appointed home features three bedrooms, three bathrooms, a dedicated office, and an inviting open floor plan. The renovated kitchen showcases premium Viking stainless steel appliances throughout, along with a large island with breakfast bar, custom cabinetry, and quality finishes, creating a natural gathering space for everyday living and entertaining. A pellet-burning stove adds warmth and ambiance to the family room. Marble and wood flooring run throughout much of the home. An upstairs dedicated laundry room with washer/dryer hookups and built-in cabinetry adds everyday convenience. The spacious primary suite serves as a private retreat, featuring its own fireplace, private balcony, and a remodeled bathroom with dual sinks, a soaking tub overlooking the Vasquez Rocks area, a separate walk-in shower, a private water closet, and a large walk-in closet with built-in organizers. Outside, enjoy beautifully landscaped grounds featuring a decorative rock creek with a modest pond water feature, terraced stone accents, mature trees, brick-accent patios and walkways, a charming footbridge, a grapevine-covered trellis, and a wood deck extending along a large portion of the home. An elevated greenhouse with temperature-control capability, a small orchard of fruit trees, a custom bocce ball court, an oversized custom-fabricated metal dog run, and a large enclosed storage shed complete the outdoor amenities. The property features a 3-car garage and an expansive pull-through RV and boat parking area complete with dedicated water, power, RV hookups, and a separate electrical subpanel. The horseshoe driveway provides access, while approximately 2.5 acres of fenced land with a private lower gated entrance provides flexibility for recreation, livestock, storage, or future improvements. The property also features a paid-off Enphase ground-mount solar system with 24 panels, four battery backups providing 40 kWh of storage, a private well with an Aquasana whole-home water filtration system, a newer HVAC system, and much more. Shown by appointment only.
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.
