1319 Keck Rd Chula Vista, CA 91913
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About this home
Welcome to your dream home in the heart of Otay Ranch in an FHA/VA approved community. This beautifully upgraded and private Twinhome offers the perfect blend of space and functionality across three well-designed levels. The main floor is ideal for entertaining, featuring a bright and open-concept kitchen, dining, and family room, along with a powder room. On the second level, you’ll find a spacious primary suite, two generously sized guest bedrooms with a shared full bath, and a laundry room for easy everyday living. The third floor is a versatile retreat - perfect for guests, extended family, or a home office - with its own bedroom, full bathroom, and an open loft that could easily serve as a fifth bedroom, playroom, or media space. Enjoy the privacy of your own yard, an attached 2-car garage, and ample guest parking nearby. As a Twinhome, you benefit from only one shared wall and full land ownership - a rare combination. All this comes with low HOA fees that cover pest control, trash service (including large bin emptying), common area walkway and landscape maintenance, annual tree trimming, and more. Don’t miss this incredible opportunity to live in one of Chula Vista’s most desirable communities - close to top-rated schools, parks, shopping, and dining. Ideally located with easy access to HW-125 and I-805, this home offers unbeatable convenience for commuters and families alike. The community features resort-style amenities, including two sparkling pools, a relaxing spa, a fitness center, an event room, and a barbecue-equipped play area. Families will appreciate being only a 5-minute walk from top-rated schools, Muraoka Elementary and Olympian High School.
Source: CRMLS #250041082SD
Neighborhood
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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.