Welcome to 43399 Calle Nacido - Your Dream Home in Rancho Highlands. Nestled in one of Temecula’s most sought-after communities, this stunning 4-bedroom, 3-bathroom pool home is the ultimate entertainer’s paradise. From the moment you arrive, the grand double-door entry and soaring ceilings set the tone for the elegance that awaits inside. The formal living and dining rooms create a sophisticated space for hosting, while the upgraded kitchen, featuring generous counter space and modern finishes, serves as the heart of the home. Whether you’re plating a holiday feast or mixing cocktails for a crowd, this kitchen was made for the moments that matter. A main-floor bedroom adds flexibility, perfect for guests, a home office, or multi-generational living. Step outside and discover your private pool oasis that is ideal for summer barbecues, sunset gatherings, or simply soaking in the Southern California lifestyle. Relax and take in hillside views that make every evening feel like a retreat. Practical luxury is built in throughout, with a 3-car garage, and tons of storage to keep life organized and effortless. As a resident of Rancho Highlands, you’ll enjoy resort-style amenities including a community pool & spa, tennis and pickleball courts, a park, and scenic walking trails, all just steps from your front door. And the location? Unbeatable. Minutes from Old Town Temecula, world-class Temecula Valley Wine Country, Pechanga Resort & Casino, top-rated schools, premier shopping and dining and easy freeway access. Homes like this don’t come around often. Schedule your private tour today, before someone else calls it 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.
