Welcome to this exceptional, move-in ready home located in the highly sought-after Four Seasons Active Adult Community. Ideally positioned within walking distance of the clubhouse, this beautifully maintained residence offers outstanding curb appeal and a bright, airy interior, enhanced by plantation shutters that create a warm and inviting atmosphere. Just under 2,000 square feet, this rare three-bedroom, two-bath floor plan offers generous living space with a layout designed for both comfort and functionality. The home has been freshly painted and meticulously cared for, reflecting true pride of ownership at every turn. The expansive kitchen is a standout feature, offering a center island, abundant cabinetry, and seamless flow into the dining area and family room—perfect for everyday living and entertaining. The open design allows natural light to fill the space, enhancing the home’s welcoming feel and effortless flow. The primary suite provides a relaxing retreat with a spacious bedroom, a large walk-in closet, and a well-appointed ensuite bathroom featuring dual sinks, a soaking tub, and a separate walk-in shower. Secondary bedrooms are generously sized and offer flexible options for guests, a home office, or hobbies. Step outside to the covered patio, an ideal space to unwind or entertain while enjoying Southern California’s year-round mild climate. Homes of this size, condition, and location within Four Seasons are truly a rare find. Residents enjoy access to The Lodge and beautifully maintained resort-style grounds, along with exceptional amenities including a ballroom, fitness center, library, game and card rooms, billiards, heated pool, bocce ball, tennis courts, shuffleboard, horseshoes, and a full calendar of social activities. Conveniently located within walking distance to the clubhouse, shopping, and restaurants, and just minutes from the freeway, shopping mall, and Temecula’s renowned wineries, this home offers the perfect blend of comfort, convenience, and an active lifestyle in one of the Inland Empire’s premier Active Adult Communities.
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.
