126 Cinnamon Teal Aliso Viejo, CA 92656
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About this home
4.5% assumable rate available! Welcome to 126 Cinnamon Teal in Aliso Viejo a beautifully upgraded corner-unit townhome in the desirable Seagate Colony. Spanning nearly 1,100 square feet, this 2-bedroom, 2.5-bath residence featuring dual primaries combines stylish comfort with a vibrant community lifestyle. Step inside to find a light-filled living room with oversized windows, a cozy fireplace, and direct access to a private patio overlooking the lush greenbelt. The open floor plan flows seamlessly into the dining area and kitchen, where youll find a breakfast bar, gas stove, double-door refrigerator, and included washer and dryer. Upstairs, two spacious bedrooms each feature en suite baths, making the layout ideal for both privacy and convenience. Life at Seagate Colony offers true resort-style living with two sparkling pools, two relaxing spas, a fitness center, and a clubhouse for gatherings. Beyond the community, youre just minutes from Aliso Viejo Town Center with its popular dining, shopping, and entertainment options. Outdoor enthusiasts will love the nearby hiking and biking trails that wind through Aliso and Wood Canyons Wilderness Park, while beach lovers can head straight down the road to world-class Laguna Beach. Families will also appreciate that the home is within the highly regarded Laguna Beach School District. Whether youre drawn to the coastal lifestyle, the convenience of nearby amenities, or the comfort of a turnkey home, 126 Cinnamon Teal places you at the heart of it all.
Source: SANDIEGO #PW25188284
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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.