Perched at the very top of San Antonio Road in one of Yorba Linda’s most prestigious and private enclaves, 3650 San Antonio Rd. offers 3,700 square feet of elevated living surrounded by breathtaking mountain views, total seclusion, and unmatched tranquility. This 6 bedroom, 3 bathroom residence includes a highly desirable downstairs bedroom, blending functionality with modern design in a setting that feels worlds away yet remains close to everything. With no HOA, you have the freedom to truly make it your own, while the San Antonio Society warmly welcomes new members to enjoy neighborhood events and community connection when desired. Behind its impressive presence lies a home that has been thoughtfully upgraded where it matters most. Paid off solar panels paired with four Tesla Powerwalls provide true energy independence and reliable backup power. Major system improvements include new piping throughout, a new roof, upgraded HVAC systems with new ducting, an electrical panel upgrade, and a whole house water filtration system, offering confidence and peace of mind for years to come. Inside, new flooring and carpet, LED retrofitting with smart light switches, and custom shutters create a clean, modern aesthetic that feels refined and completely move in ready. The outdoor spaces are equally intentional, featuring beautifully designed landscaping with mature olive trees and fruit trees that enhance the property’s natural privacy and resort style ambiance. This is more than just a home. It is modern, efficient, private, and positioned at the very top of San Antonio where the views are expansive, the setting is serene, and everything important has already been done.
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.
