15425 Vista Vicente Dr Ramona, CA 92065
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About this home
Stunning 4-Bedroom plus a Bonus room, 3-Bath Home on the San Diego Country Estates Golf Course Calling all golf lovers! This exceptional home offers direct access to the golf course, complete with private golf cart storage and a convenient cart path winding through your yard. Step inside to discover soaring ceilings with beautiful wood beams, creating a warm, inviting atmosphere. The open floor plan seamlessly connects the living, dining, and kitchen areas—perfect for entertaining. The remodeled kitchen features elegant Quartz countertops and high-end stainless steel appliances. Enjoy breathtaking panoramic golf course views from the expansive wrap-around deck, complete with a private jacuzzi for relaxing evenings and a putting green for honing your short game. A guest suite on the lower level ensures privacy for visitors. Experience resort-style living with amenities that include tennis and pickleball courts, swimming pools, parks, and miles of scenic trails. Don’t forget the nearby San Vicente Golf Course, which offers optional memberships for unlimited golf access, tournaments, and more! Don't miss this opportunity for an incredible lifestyle in San Diego County. Schedule your private showing today!
Source: CRMLS #PTP2505808
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Close stress-free in 45 days, handled start to finish by Roam.
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If you find a better price on any home, we’ll match it.
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.