A Truly Spectacular Custom-built Home located in the Prestigious Gated Community of Godde Hill Estates with an Elevated Lifestyle of Luxury & Design. Set on a nearly Half-Acre lot with Breathtaking Landscaped Grounds, which are a Sanctuary of Beauty and Function. The Curb Appeal welcomes you with Striking Architectural Presence. This Exceptional Home offers approximately 4,200 sqft of Refined Living Space with four Spacious Bedrooms, each Featuring its own Private en-suite Bath, and a Three-car Garage with an Extended Driveway. Enter into the Grand Foyer for an Unforgettable First Impression, Gleaming Floors, an Exquisite Crystal Chandelier Suspended above the Custom Spiral Wrought Iron Freestanding Staircase. Additional Crystal Chandeliers Enhance the Home’s Elegant Ambiance, while Recessed Lighting throughout provides a clean, modern glow. The thoughtfully Designed open-concept floor plan features both a Formal Living Rm, Formal Dining Rm and a Family Rm which Flow Effortlessly beneath Voluminous Ceilings, Ideal for Grand-scale Entertaining and two Elegant Fireplaces. Rich finishes include Marble and Wood flooring. A Gourmet Kitchen with Granite Countertops, Stainless Steel Appliances, a Commercial-Style Range with Hood, Built-in Refrigerator/Freezer, Center Island and a Breakfast Room. A Desirable Main-level Bedroom with a Full Bathroom, complete with its own Patio and Separate entrance—ideal for Guests or Multi-Generational living. The luxurious Primary Suite serves as a Private Retreat with a Balcony over looking the Pool. The Master Bathroom features Dual Sinks, a Separate Soaking tub and Steam Shower, a Spacious Walk-in Closet with Custom built-ins. Additional Features in this Home include, Several Balconies off of the Bedrooms, Wet bar, Upstairs Laundry Room, Large Pantry and Plenty of Storage. Also, Five Hardwired Ring Cameras including the Front Door Camera and Doorbell, Wireless Wifi Controlled Garage Doors, Wireless Wifi controlled Pool System and Nest Wireless Wifi A/C and Heating System. Entertain year-round in the Resort-style Sparkling Pool & Spa with Waterfall features and and a Waterslide. This Backyard is Designed for both Relaxation and Entertaining. Several Expansive Patio areas, Lush Landscaping, a Built-in BBQ, and Decorative Lighting, a True Private Oasis. This Remarkable Custom Estate blends Elegance, Comfort, and Timeless Design in one of Antelope Valleys most Sought-after Gated 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.
