Some homes check every box. This one adds boxes you didn't know to ask for.Nestled within the sought-after gated community of Whitehawk in the heart of Palm Desert, this thoughtfully upgraded 4-bedroom, 3.5-bath home with a dedicated private office and a detached casita delivers a lifestyle that feels more like a private resort than a neighborhood address.The sellers have invested methodically -- not cosmetically. Three new A/C and heat units with HEAPA filtration, new attic insulation, Wi-Fi controlled thermostats, a whole-home hot water on demand circulator, wired smoke and carbon monoxide alarms, and new LED can lighting throughout. The tile roof received a complete maintenance service in March 2026. Owned solar keeps monthly energy costs remarkably low.Inside, the large living and dining rooms flow into a family room and den anchored by a gas fireplace. The kitchen features Corian counters, a bar, island, eat-in area, and gas-electric appliances -- a space designed for both daily life and entertaining. The remodeled primary bath impresses with quartz counters, square sinks, and a new tall toilet. Wood shutters and privacy shades finish every window with intention.Step outside and the backyard earns its own conversation. A saltwater pool and spa with waterfall, a covered courtyard, covered patios, and a southwestern-inspired landscape that is low water and low maintenance with an automatic sprinkler system. The pool equipment was deliberately relocated away from the water -- so all you hear while floating is silence and desert air. It's a detail only someone who truly lives here would think to do.The casita adds a private bedroom, bath, and walk-in closet -- ideal for guests or multigenerational living. Whitehawk's low HOA includes cable and internet, with gated entry, wide lit streets, and a central Palm Desert location minutes from El Paseo, top dining, golf, and the I-10.This home wasn't just maintained. It was loved. The sellers would take it with them if they could -- since they can't, it's yours to enjoy now.
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.
