Experience elevated country living at this exceptional hilltop estate, where breathtaking panoramic mountain and valley views create a spectacular backdrop for everyday life. Situated on 2.5 fully fenced and gated acres, this one-of-a-kind property offers an incredible combination of privacy, flexibility, and thoughtful design—perfect for multi-generational living, income-producing opportunities, or a peaceful private retreat. The custom-built main residence was constructed well beyond standard specifications and showcases an expansive open-concept floor plan designed to embrace both comfort and the surrounding natural beauty. Soaring vaulted wood ceilings, rich hardwood flooring, and walls of windows fill the home with abundant natural light while framing the stunning views from nearly every angle. At the heart of the home, the spacious chef's kitchen features extensive custom cabinetry, generous counter space, a large center island with gas cooktop, built-in appliances, and seamless flow into the dining and living areas—creating the perfect setting for entertaining family and friends. The inviting living room is anchored by a beautiful wood-burning fireplace and opens directly to wraparound decking, offering effortless indoor-outdoor living and countless opportunities to enjoy spectacular sunsets, morning coffee, or evening gatherings under the stars. Adding tremendous value and versatility, the property also includes two detached 1-bedroom, 1-bathroom ADUs, each complete with its own full kitchen, making them ideal for extended family, long-term guests, caretaker quarters, or potential rental income. A detached studio provides even more flexible space, perfectly suited for a home office, fitness room, artist's studio, or hobby space. Outside, the grounds have been carefully developed to complement the peaceful setting with mature fruit trees, raised garden beds, multiple storage and workshop outbuildings, and ample parking accessed by a private gravel driveway. A private sauna provides the perfect place to relax and unwind after a day spent enjoying the surrounding countryside. Whether you're searching for a private family compound, a full-time residence with guest accommodations, an investment property with multiple income streams, or a tranquil escape just a short drive from Temecula Wine Country, this extraordinary Aguanga estate delivers unmatched versatility, exceptional craftsmanship, and unforgettable views.
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.
