1421 Amador Cir Salinas, CA 93906
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About this home
A Home Filled With Many Years of Love After 52 wonderful years of memories, laughter, and family gatherings, this cherished 4-bedroom, 2-bath home is ready for its next chapter. For over five decades, it has been the heart of one family's story a place where holidays were celebrated, milestones were shared, and every corner holds a memory. Now, its time for someone new to continue that legacy of love. As you step inside, you'll immediately feel the warmth that fills the family room a space graced with beautiful bamboo flooring and an inviting atmosphere that feels like home. The kitchen, thoughtfully designed with ample granite counter space and generous cabinetry, has hosted countless family meals and celebrations. Its the kind of kitchen that naturally brings people together where stories are told and recipes passed down. Outside, a spacious backyard provides plenty of room for barbecues, gatherings, and creating new memories under the open sky. With the addition of solar panels for energy efficiency, this home blends timeless comfort with thoughtful updates. Its more than just a house its a home that has been loved deeply and now stands ready to embrace its next family, continuing the story for another generation.
Source: CRMLS #ML82027087
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Close stress-free in 45 days, handled start to finish by Roam.
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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.