13560 Carista Blvd Riverside, CA 92503
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About this home
SELLER MAY CONSIDER PROVIDING A CREDIT TOWARD BUYER'S CLOSING COSTS OR A RATE BUY-DOWN, SUBJECT TO OFFER!! Experience panoramic canyon views in this beautifully upgraded home located in the Citrus Heights neighborhood. This spacious residence features 5 bedrooms and 3 bathrooms, including a downstairs bedroom and bathroom with a shower —ideal for guests or multigenerational living. A separate den on the main level offers flexibility as a home office or potential 6th bedroom. The open-concept layout showcases a gourmet kitchen with granite counters, rich cabinetry, stainless steel appliances, a wine cooler, and a center island that flows seamlessly into the formal dining area and family room with a cozy fireplace—perfect for entertaining. Upstairs, you’ll find four additional bedrooms, a loft, and a convenient laundry room with a sink. The luxurious primary suite offers a true private retreat with an adjoining flex space—ideal for a lounge, office, or reading nook—and a spa-inspired bath featuring dual vanities, a built-in vanity nook, soaking tub, separate shower, and a spacious walk-in closet. Step outside to your private backyard oasis featuring a sparkling pool and spa, a covered patio with a built-in TV and fireplace, and a built-in BBQ island—perfect for relaxing or hosting guests. Additional highlights include a gated side yard with RV parking, an oversized driveway, lush landscaping, a whole house fan and a paid-off water softening system. Community amenities include multiple parks and scenic walking trails. This home offers the perfect blend of luxury, comfort, and natural beauty.
Source: CRMLS #IV25229565
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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.