Set behind a long, automatic gated drive with panoramic mountain and Valley views, this refined Warner Springs estate delivers privacy, scale, and a seamless connection to the surrounding landscape. Thoughtfully designed for both everyday living and elevated entertaining, the property blends timeless materials with modern comfort across expansive indoor and outdoor spaces. The main residence features an open kitchen and living concept filled with natural light, highlighted by a skylight, bay window, and multiple sets of sliding and french doors that frame the views and create effortless indoor outdoor flow. With new light oak flooring, granite counters, stainless appliances, custom built ins, and a six burner range with double ovens, the kitchen anchors the heart of the home, complete with a breakfast bar open to the living space, ideal for casual gatherings. Living spaces are well defined yet connected, including formal dining, multiple living areas, and a fully screened sunroom. Several fireplaces throughout make this home perfect for year round enjoyment. The primary suite is privately situated and generously scaled, offering a spa tub, walk in closet, and separation from guest spaces for true retreat living. Outdoor amenities are designed with intention. Front and rear patios showcase a nicely landscaped setting with featured fountain and tiered elevation yard creating multiple environments for entertaining or quiet relaxation. The property is fully fenced and gated, offering both security and serenity. A detached workshop and garage structure provides flexibility for storage, hobbies, or future ADU potential. Additional highlights include Saltillo tile accents, dedicated laundry room, wet bar, new garage doors, and a three car garage partially converted and being purposed as a gym, all contributing to the property’s functional versatility. With expansive views, abundant natural light, and a layout that balances openness with privacy, this is a rare offering that captures the essence of refined rural living while being minutes away from several large metro areas. Call for a private showing today!
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.
