Welcome to 6133 Natalie Rd, a beautifully maintained home in the highly desirable Hunters Hill neighborhood of Chino Hills. Offering approximately 3,400sq ft of living space on a 5,500 sq ft lot, this spacious residence features 4 bedrooms and 4 bathrooms, including a convenient main-level guest suite—ideal for multi-generational living. Step inside to a grand entry with a stunning curved staircase and an open, light-filled layout. The home has been thoughtfully updated with interior paint, hardwood and bamboo flooring throughout (no carpet), and energy-efficient windows. Enjoy cozy evenings with fireplaces in both the family room and the primary bedroom. Upstairs, a versatile loft provides the perfect space for a home office or media room, while three upstairs bedrooms feature custom California Closet systems. Designed for comfort and efficiency, the home includes PAID solar system with 24 panels, two EV charging stations, a newer A/C unit, and a replaced water heater, along with updated ceiling fans and window treatments. The private backyard offers a peaceful retreat with a charming gazebo with swing, and the property backs to protected natural land, ensuring exceptional privacy and quiet surroundings. Located in a neighborhood with no HOA and just steps from a community park with a children’s playground, this home blends tranquility with convenience. Additional highlights include a 3-car garage and close proximity to top-rated schools, shopping, and dining. Tax records currently reflect incorrect living square footage. Seller has confirmed the error with the assessor’s office, and correction is in process. Please see listing supplements for details. Don’t miss this rare opportunity to own a beautifully upgraded home in one of Chino Hills’ most sought-after communities.
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.
