1444 Vine St Paso Robles, CA 93446
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About this home
This home has all the magic you’re looking for in a Downtown Westside property. The main home is a charismatic craftsman with some original elements that just don’t exist in modern homes. Walking up the covered front porch, and through the large front door, you’re taken back to a time with hardwood floors, built in cabinetry and a timeless wood burning fireplace. Off the living area is a serene retreat with so many windows it feels like a terrarium. It would make an excellent office or a peaceful library. The dining room opens up as you make your way through. A built in hutch, picture rails, curved ceilings and a window seat create an inviting, warm space to break bread. All the spacious bedrooms, plus primary bath, are accessed via the striking hallway. An efficient kitchen has abundant counter space, big windows and nostalgic energy. It is complimented by a utility room, with outside access, and adjacent to the laundry with the second bathroom. The second structure has a gem of a 1 bedroom, 1 full bath apartment above the three car garage. Lots of modern upgrades including a great kitchen, comfortable living room and magnificent deck with lots of room to bbq, hang out and enjoy westside paso. In addition, there is a permitted separate hobby space on the ground level that is perfect for work, guests or whatever your needs might be. Charming and well set up, this property is one of a kind.
Source: CRMLS #NS25233211
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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.
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