12977 Rocky Trail Way Victorville, CA 92395
Your savings
About this home
Welcome to your move-in ready oasis at 12977 Rocky Trail Way, a pristine newer home (built in 2021) tucked into the desirable Rocky Trail neighborhood of Victorville. Meticulously maintained and still in “as new” condition, this home offers modern style, generous space and amenities, and a lot with excellent curb appeal. Sitting on a spacious 7,500-square-foot lot, it provides plenty of outdoor room for entertaining, gardening, or future upgrades. From the moment you arrive, you’ll notice a neatly landscaped front yard, and a two-car attached garage that offers convenience and extra storage. Step inside to a bright and open floor plan that flows effortlessly between the living, dining, and kitchen areas — ideal for entertaining or everyday family life. The interior is filled with natural light, high ceilings, and modern flooring, creating a warm and inviting atmosphere. The kitchen features contemporary cabinetry, ample counter space, and a functional layout, making it perfect for both casual meals and gatherings. The primary suite serves as a private retreat, offering generous space, a spa-like en suite bathroom, and a walk-in closet. Additional bedrooms are thoughtfully sized and versatile, ideal for guests, kids, or a home office. Each bathroom is finished with clean, modern fixtures and a neutral color palette that complements the home’s contemporary style. With central air and heating, energy-efficient design, and well-maintained finishes, this home delivers all the modern comforts buyers are looking for.
Source: CRMLS #IV25229470
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.