1119 Saint George Dr El Cajon, CA 92019
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About this home
Discover the perfect blend of country tranquility and modern in the picturesque setting of Harbison Canyon. Set on a fully fenced ¼-acre lot with mountain views, this beautifully updated 3-bedroom, 2.5-bath home with 17 panel owned solar offers 1540 square feet of stylish living space and thoughtful upgrades throughout. Step inside to an inviting, freshly painted interior where luxury vinyl plank flooring, upgraded lighting, and a modern palette create a warm, move-in-ready feel. The remodeled kitchen shines (see suppl) with quartz countertops, newer cabinetry, stainless steel appliances, and ample storage. Ideal for everyday living or entertaining. The bathrooms have also been tastefully updated with contemporary finishes. Upstairs, a versatile loft area provides space for a home office, study area, or seating area. The spacious bedrooms include a primary suite with a walk-in closet featuring custom organizers and built-in lighting. Conveniently located on the second floor, the laundry room adds everyday ease. Enjoy the outdoors from the expansive covered deck with peaceful mountain views, perfect for morning coffee or sunset relaxation. The fully fenced yard is a blank canvas ready for your dream backyard design, while the large driveway with an automatic gate offers secure parking for 8–10 vehicles, plus a private one-car garage with direct interior access. Additional highlights include 11 ft X 7 ft Tuff Shed, freshly painted exterior, and plenty of space for RVs, work vehicles, or recreational toys. Whether you’re looking for room to spread out, a home that supports your business needs, or simply a serene retreat that’s still close to city amenities, this Harbison Canyon gem delivers it all.
Source: CRMLS #250042485SD
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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.
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