10305 Hok Has Ha Ln Kelseyville, CA 95451
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About this home
Welcome to 10305 Hok Has Ha Ln in beautiful Kelseyville, California! This completely renovated 3-bedroom, 2-bathroom home sits on a large lot and offers 1,300 square feet of comfortable living space that's ready for you to move right in. The quality of the renovation work throughout this property is truly evident. You'll love the fresh, new vinyl plank flooring that flows throughout the home, along with a gorgeous tile shower that adds a modern touch. The kitchen comes equipped with stainless steel appliances, making meal prep a breeze. Step outside to enjoy the brand new back deck, perfect for morning coffee or evening relaxation. The exterior has been freshly painted, giving the home great curb appeal. Comfort is guaranteed year-round with central heat and cooling systems. The fully fenced yard offers privacy and security, making it an ideal choice for families with children or pets. The neighborhood environment is peaceful and family-friendly, with Richmond Park. This nearby green space offers an excellent spot for outdoor activities and recreation. For your daily shopping needs, Riviera Foods grocery store is conveniently located on California 281, making errands quick and easy. Kelseyville's location places you close to Clear Lake's recreational opportunities while preserving its small-town charm. The area offers a relaxed lifestyle with easy access to outdoor activities, local dining, and community events. This move-in-ready home combines quality updates with practical features in a desirable location. Don't miss your chance to make this beautifully renovated property your new home!
Source: SANDIEGO #LC25158813
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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.