Here is an upgraded, **high-emotion, lifestyle-focused** version that highlights the kitchen, bedrooms, patios, views, and tennis lifestyle while remaining beautifully polished and under 2,500 characters:---Live the Indian Wells lifestyle where every day feels like a resort escape. This beautifully staged 3-bedroom, 3-bath residence offers 2,489 sq ft of thoughtfully designed space blending comfort, elegance, and effortless indoor-outdoor living. Soaring ceilings and an open layout welcome you into expansive living and dining areas anchored by a cozy fireplace, a sunken bar with wine cooler for entertaining, and walls of glass that open to a covered patio -- the perfect setting for morning coffee or sunset dinners with sweeping mountain views.The kitchen is both stylish and functional, featuring granite countertops, stainless steel appliances, generous cabinetry, and ideal flow for hosting family and friends. A light-filled central atrium creates a serene indoor oasis and bathes the home in natural sunlight throughout the day.Each bedroom offers a private retreat with its own en-suite bath. One guest suite includes a Murphy bed for flexible living, another features a separate entrance with private patio access -- ideal for visiting guests or extended stays -- while the expansive primary suite invites relaxation with a walk-in closet and spa-inspired bath.Step outside to lush greenbelts, sparkling pools, or simply stroll to the tennis courts just steps from your door. Dorado Villas is a gated, resort-style enclave offering 9 pools and spas, 10 tennis courts, 2 pickleball courts, and manicured grounds framed by breathtaking mountain scenery.As an Indian Wells resident, you'll enjoy exclusive perks including discounted golf at the Indian Wells Golf Resort, preferred access to the Indian Wells Tennis Club, special opportunities at the BNP Paribas Open, and reduced rates at luxury hotels, spas, and fine dining.This is more than a home -- it's the ultimate desert lifestyle waiting to be embraced.
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.
