1029 Vista Oak Pl Chula Vista, CA 91910
Your savings
About this home
No HOA! No Mello-Roos! Nestled at the end of a quiet cul-de-sac in Rancho Del Rey, this meticulously maintained 4 bedroom, 3 bath home offers comfort, elegance, and a thoughtful design throughout. The open concept layout features soaring ceilings, abundant natural light, and a seamless flow between the kitchen, dining, and family areas, perfect for entertaining. The kitchen showcases rich wood cabinetry, multi-toned granite counters, stainless steel appliances, a unique shaped large central island with an extension and multiple seating, and pendant lighting that creates a warm, inviting atmosphere and perfect for entertaining. A 2-sided slate tiled fireplace connects the living and family rooms, adding both charm and function. The first floor features elegant tile flooring, a guest half bath, and access to a private backyard with a built-in BBQ, and paved patio designed for gatherings. Upstairs includes generous bedrooms, a convenient laundry room, and a bright primary suite with ample closet space and beautiful views of the San Diego skyline, Bay, and Coronado Bridge. Additional highlights include the only visible 3-car garage in this cul-de-sac, a newer stove and water heater. Close to top-rated schools (Casillas Joseph Elementary School, Rancho Del Rey Middle School and Otay Ranch Senior High School), parks, shopping, and dining, this home combines timeless appeal with everyday convenience. Don't hesitate to make this home yours!
Source: CRMLS #PTP2507781
Loan details
Neighborhood
45-day close guarantee
Close stress-free in 45 days, handled start to finish by Roam.
Roam Price Match
If you find a better price on any home, we’ll match it.
FAQs
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.
Roam is committed to and abides by the Fair Housing Act and Equal Opportunity Act.