Welcome to where comfort, convenience, and the serene beauty of Yucca Valley come together. Located in the highly desirable Yucca Mesa School area, this priced-to-sell, meticulously landscaped and well-maintained 3-bedroom, 2-bath home offers approximately 1,600 sq ft of living space on a spacious 0.46-acre lot, complete with a solar system designed to help keep your energy costs low. Step inside and you’re immediately welcomed by a warm and inviting family room, highlighted by a stunning stone wall and a wood-burning stove fireplace—perfect for relaxing evenings or hosting guests. The home features an open and functional layout that flows seamlessly into a large, upgraded kitchen complete with quartz countertops, stainless steel appliances, a gas range, and ample cabinet space. Just off the kitchen, you’ll find a versatile bonus room ideal for a home office, oversized pantry, or additional storage, with direct access to the garage. Each bedroom offers comfort and efficiency, featuring ceiling fans and newer carpet. The primary suite includes its own private bathroom along with a sliding glass door that provides direct access to the backyard—perfect for enjoying quiet desert mornings or easy outdoor access. Step outside and enjoy a fully fenced property with chain-link fencing surrounding the entire lot, plus a private wood-fenced area—perfect for BBQs and outdoor entertaining. The covered rear patio provides shade and space to relax, while mature trees in both the front and backyard enhance the property’s natural desert charm. This home is loaded with valuable upgrades and energy-efficient features, including both an evaporative cooler (swamp cooler) and central air conditioning, a roof replaced in 2017, and a new septic system installed in 2017. For added peace of mind, the electrical system has been recently upgraded with a new panel, updated wiring, newer breakers, and a built-in surge protector. The seller also invested in a professionally installed generator backup system—so you’re covered even during power outages. If you’re looking for a well-cared-for, move-in ready home with space, upgrades, and efficiency in one of Yucca Valley’s most sought-after areas, this is it. Don’t wait—homes like this in the Yucca Mesa area are in high demand. Schedule your showing today.
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.
