15376 San Miguel Way Victorville, CA 92394
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About this home
Welcome to 15376 San Miguel Way, a beautifully cared-for 4-bedroom, 3-bath home tucked away in a quiet Victorville cul-de-sac. From the moment you pull up, you’ll notice the pride of ownership as these are the original owners. The front yard feels like a peaceful oasis with mature landscaping, plenty of concrete, and a cozy fenced porch with a white picket-style gate which is the perfect spot for your morning coffee. Inside, you’ll find over 2,000 sq. ft. of living space featuring both a living room and a family room with a fireplace, ceiling fans throughout, and an indoor laundry room with cabinets. The kitchen is warm and inviting with granite counters, upgraded recessed lighting, tile flooring, and stainless steel appliances. The backyard is where this home truly shines...a lush, private retreat with multiple sitting areas, a covered patio, pavers, and a fully landscaped yard on a drip and sprinkler system. There is solar lighting and at night it's so beautiful. You’ll also find a 10x20 greenhouse, a 10x16 shed with electricity, and mature fruit trees including pomegranate, fig, apple, and two peach trees. The home has a tile roof, a 2-car attached garage, and a solar system with a 20-year lease (10 years in) through SunCity, keeping your energy costs low at about $130 per month. Homes this well-maintained and thoughtfully designed are hard to find so come see why this one feels so special.
Source: CRMLS #HD25243556
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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.