Welcome to 919 Ziegler Way—an exceptional opportunity to own a beautifully upgraded home in the gated Fairway Masters community, ideally positioned on the 9th tee box of Alta Vista Country Club. Set on a rare larger lot at the end of a quiet cul-de-sac, this property offers expansive outdoor space with an oversized rear and side yard featuring fruit trees while showcasing sweeping 180-degree golf course views—creating the perfect setting for entertaining or quiet everyday enjoyment. With an open-floor plan, this home features 4 bedrooms and 2.5 bathrooms. The thoughtfully designed layout is tailored for modern living and everyday comfort. Soaring two-story ceilings and abundant natural light define the formal dining and seating area, creating an open, inviting space complemented by custom shutters that provide both elegance and privacy. The upgraded kitchen blends style and function, featuring stainless-steel appliances, a double oven range, and a custom quartz island with bar seating—seamlessly connecting to the family room for entertaining and relaxed everyday living. Downstairs you will also find a dedicated laundry room and a convenient half bath for guests before entering the two-car garage. Upstairs, the primary suite serves as a private retreat with vaulted ceilings, a wooden deck overlooking the golf course, and a spacious en-suite bath with separate shower, soaking tub, and custom closet organization. Bedroom 2 and Bedroom 3 feature high ceilings and upgraded closet systems, while the fourth bedroom with closet, converted from a loft (no additional sqft added), is ideal as a home office or guest space. All other bedrooms share a well-appointed hall bathroom with a dual vanity and shower tub combo. Step outside and enjoy direct gated access to the course—walk just one hole to the clubhouse for dining, social events, or an evening round. The oversized lot also offers potential for RV parking or expanded outdoor living. Residents enjoy resort-style amenities including a pool, spa, playground, and private security. Located within a highly regarded area known for its award-winning schools, this home offers an exceptional combination of lifestyle, location, and long-term value. Whether it’s early morning tee times, evenings on the patio, or time spent in a secure, vibrant community, this home delivers the lifestyle today’s buyers are looking for in North OC. Don’t miss the opportunity to make this exceptional home yours before it is sold again.
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.
