Framed by the striking natural beauty of Vasquez Rocks, this premier equestrian estate offers a remarkable blend of privacy, comfort, and unforgettable scenery in the heart of Agua Dulce. Encompassing over 5 acres of flat and fully usable land, the property enjoys sweeping panoramic views and direct access to surrounding trails and open space, creating a setting that feels secluded and serene. The residence is a 4-bedroom, 4-bath home featuring expansive living spaces, wood-beamed ceilings, three fireplaces, updated flooring, and picture windows that frame sweeping mountain and rock formation views throughout the property. A grand primary ensuite offers a private retreat, complemented by a convenient ensuite bedroom located on the first floor, ideal for guests or multi-generational living. Outdoors, every element has been thoughtfully designed to embrace the ranch lifestyle, from the heated pool and built-in BBQ area to the grand water fountain, mature grounds, and multiple gathering spaces ideal for entertaining beneath the stars, hosting large equestrian gatherings, private events, celebrations, or simply enjoying the peaceful beauty and wide-open surroundings that make this property so special. Equestrian facilities are extensive and exceptionally maintained, highlighted by two arenas with newer footing in excellent condition, including one arena with LED lighting for evening riding and training. A round pen provides additional space for groundwork, schooling, and exercise, while the property offers accommodations for up to 18 horses. The main barn includes six stalls, a tack room, and generous storage areas. Additional external structures include a dedicated laundry area, a separate bathroom, and multiple storage spaces throughout the ranch, offering exceptional flexibility for equipment, tack, feed, and general ranch use. An exceptional opportunity to own one of Agua Dulce’s most picturesque equestrian ranch properties, offering scale, versatility, and an unmatched connection to the surrounding landscape, while still conveniently accessible to freeways and Los Angeles, where every sunrise feels like a retreat and every sunset feels like home.
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.
