Welcome to this immaculate Villa Antigua residence, a beautifully maintained home ideally situated in the heart of Tierrasanta—one of San Diego’s most desirable communities. With easy access to major freeways, shopping, and dining, this location perfectly blends comfort, convenience, and the best of Southern California living. Inside, natural light pours through Andersen dual-paned windows, illuminating a spacious and inviting living room designed for both relaxation and entertaining. The thoughtfully designed interior continues into a well-appointed kitchen that is both stylish and functional, featuring stone tiled countertops and a complementary stone tile backsplash. Premium ceiling fans in both bedrooms enhance comfort and energy efficiency year-round. Additional highlights include abundant storage, a convenient upstairs computer nook, and a newer water heater (2024) and furnace (2025) —details that add everyday ease and long-term value. Step outside to a beautifully landscaped yard with a drip irrigation system, offering low-maintenance outdoor enjoyment and an ideal setting for entertaining or unwinding. Residents of Villa Antigua enjoy exceptional community amenities, including a pool, spa, clubhouse, playground, and tennis courts—providing a resort-like lifestyle at an outstanding value. Immaculately cared for and smartly appointed, this home presents a rare opportunity to enjoy comfort, quality, and community in one of Tierrasanta’s most sought-after neighborhoods. Residents of Villa Antigua enjoy exceptional community amenities, including a pool, spa, clubhouse, playground, and tennis courts—providing a resort-like lifestyle at an outstanding value. Immaculately cared for and smartly appointed, this home presents a rare opportunity to enjoy comfort, quality, and community in one of Tierrasanta’s most sought-after neighborhoods.
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.
