Welcome to Whitehawk -- Where Desert Living Meets Everyday Elegance Nestled in the heart of one of Palm Desert's most sought-after gated communities, this beautifully appointed 4-bedroom, 3-bathroom home offers 2,660 square feet of refined desert living at its finest. From the moment you step through the front door, you'll appreciate the thoughtful design, soaring ceilings, and seamless flow that make this home as livable as it is impressive. Stone tile flooring runs throughout the entire home -- cool underfoot, easy to maintain, and the perfect canvas for desert-modern living. The recently updated kitchen is a true showstopper, featuring a center island with granite countertops and premium Thor appliances that will delight the home chef, complemented by stylish finishes that strike the perfect balance between function and flair. One of the property's most coveted features is its prime location directly across from the community park -- enjoy front-row views of green open space and a relaxed neighborhood feel that is increasingly rare to find. Step outside and cool off in your private pool, the perfect desert retreat for relaxing afternoons and entertaining under the sun. With four generously sized bedrooms and three full bathrooms, there's room for the whole family, out-of-town guests, or a dedicated home office. The spacious primary suite offers a private retreat, while the additional bedrooms provide flexibility for every lifestyle. Beyond your front door, Whitehawk delivers the gated community lifestyle you've been dreaming of -- low HOA dues, wide well-lit streets, and a central Palm Desert location minutes from acclaimed restaurants, shopping, entertainment, and easy freeway access. Sports lovers will appreciate being just 10 minutes from the Acrisure Arena, the Indian Wells Tennis Garden, and world-class golf courses including Desert Willow. This is more than a home -- it's a lifestyle. Welcome to Whitehawk.
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.
