Nestled in the heart of the high-desert landscape just minutes from Joshua Tree National Park, The Creosote Casita is an impeccably updated 3-bed, 2-bath residence that offers 1,634 sq ft of inspired living on a generous 0.4-acre lot. A long driveway leads to a two-car garage, and alongside the home, there's space for RV parking and an ADU, perfect for the adventurous lifestyle.The freshly painted exterior and brand-new desert landscaping create instant curb appeal, while recently installed sliding glass doors open to reveal a stunning interior: vaulted ceilings, bamboo wood flooring, and a warm blend of travertine tile and split-faced marble accent walls. Featuring a desert-chic blend of rustic charm and modern comfort, the heart of the home is anchored by an original pellet stove fireplace with a curved brick hearth.The kitchen features granite countertops, stainless steel appliances, 2 pantries, an attached family room, ideal for casual nights or entertaining guests, plus a double and single sliding door to close off the kitchen/family room from the living/dining rooms. The primary suite offers an ensuite restroom, a large closet with private access to the expansive backyard, where mountain views stretch endlessly across the horizon.Notably, the guest bathroom features a striking dual-sink vanity framed by a natural, stacked-stone accent wall, making even shared spaces feel elevated. Energy-efficient and smart living-ready, the home features a leased solar system with an LG backup battery, a Ring doorbell, and a Nest thermostat. The home is available furnished, as per the inventory list, making for an easy and stylish move-in. Full upgrades list available upon request.Minutes from downtown Joshua Tree and Yucca Valley, this fully fenced property is situated near the dog park, around the corner from Onaga Elementary, down the street from Joshua Springs Private School, and close to Yucca High School. Experience panoramic vistas, outdoor living, and timeless desert serenity, the Creosote Casita, where eco-luxury living meets modern comfort and high-desert magic.
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.
