New Price Improvement and Seller open to a long term lease to a qualified Buyer or Tenant! Discover modern comfort and timeless desert charm in this beautifully maintained single-story home, ideally located in the highly sought-after Copper Hills community of Yucca Valley—where comfort, style, and desert serenity meet. Just minutes from Joshua Tree National Park, Palm Springs, and the 29 Palms Marine Base, this home offers the perfect balance of convenience and peace in one of the desert’s most desirable neighborhoods. Boasting 4 spacious bedrooms, 2.5 bathrooms, and an open, flowing layout on a generous 13,500 sq ft lot, this home is built for both entertaining and everyday living. The heart of the home centers around a dual-sided fireplace, connecting the living and family rooms to create a warm, inviting atmosphere. The chef-inspired kitchen opens to bright, airy spaces perfect for gatherings or quiet mornings with breathtaking desert light. The Primary Suite is your private retreat with patio access, jetted soaking tub, dual sinks, and a walk-in closet—the perfect balance of comfort and elegance. Smart home upgrades include leased solar panels, EV charging, whole-house water softener, and a three-car garage with custom storage—ideal for desert living. Step outside and enjoy the glow of desert sunsets, quiet mountain views, and a backyard with room for RV parking or ADU expansion—a rare find in this area. The spacious lot offers the freedom to design your dream outdoor retreat: add a pool, garden, or covered lounge area to truly make it your own. Pride of ownership shines throughout, from the clean architectural lines to the meticulous upkeep and thoughtful improvements. Copper Hills is known for its wide streets, well-maintained homes, and friendly community feel, making it one of Yucca Valley’s most established neighborhoods. Whether you’re relocating, upgrading, or searching for a peaceful second home, this property delivers it all—space, value, and lasting comfort. Imagine mornings under desert skies, weekends exploring Joshua Tree, and evenings relaxing by the fire as colors dance across the horizon. Homes of this quality in Copper Hills rarely last long—schedule your private showing today and make this desert sanctuary your forever 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.
