11226 Paseo Del Cielo Unit I23 Porter Ranch, CA 91326
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About this home
Set within the secure, gated Aldea community of Porter Ranch, this two-bedroom, two-bath townhouse offers a layout designed for everyday functionality and comfort. The main living area features high ceilings, custom cabinetry, and an open floor plan that allows for easy flow between the kitchen, dining, and living spaces. Ample windows bring in natural light, contributing to a bright and airy interior. Both bedrooms are generously sized, with the primary suite offering an en suite bath and walk-in closet. The secondary bedroom provides flexibility for guests, a home office, or additional living space. A full-size laundry area and multiple storage options add to the home's convenience. The private two-car garage includes side-by-side parking, ample storage, and an EV charger. Residents enjoy a well-maintained community amenities, including a pool, spa, landscaped common areas, and guest parking. Located just moments from The Vineyards at Porter Ranch, this home offers convenient access to shopping, dining, Whole Foods, and entertainment. Nearby parks, hiking trails, top-rated schools, and freeway access further enhance the appeal of this established neighborhood. This property presents a practical option for those seeking gated community living in a desirable Porter Ranch setting.
Source: SANDIEGO #SR25188724
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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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