1564 Manzanita Holw Vista, CA 92084
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About this home
A picturesque California modern mission-style residence is situated within the renowned and charming gated Oak Creek community of twenty-four spacious homes without Mello-Roos. This meticulously designed residence features custom finishes seamlessly integrated throughout its spacious five bedrooms and four bathrooms, including an en-suite on the first floor and an owner’s en-suite on the second floor. This turn-key move-in residence boasts well-maintained interiors, tasteful contemporary upgrades along with meticulous touches featuring a gourmet chef kitchen, huge island, walk-in pantry, dining space, and spacious laundry room with sink. This location offers an exceptional environment for solar and electric vehicle (EV) integration. It is generously equipped with solar and EV connections, providing ample natural light, an open floor plan, high ceilings, a robust security system, and ample storage capacity. Owner suite includes a beautiful en-suite with separate vanities and closets as well as a bathtub over looking the greenery of Vista’s natural preserve. The property offers breathtaking northern views of the greenbelt foothills, stretching from the hilltop to Buena Creek. The expansive property offers ample outdoor entertainment, including the availability of a heated saltwater pool, spa, modest waterfall, and outdoor kitchen bar. A fully fenced entertaining property features exceptionally manicured landscape, fruit trees, covered patio, natural gas fire pit lounging area, and an entertaining outdoor kitchen offering, mini-fridge, bar sink, ice maker, grill and plenty of counter space. This home is conveniently located in close proximity to a major highway allows for easy access to downtown Vista, golf courses, nearby parks, recreational facilities, a variety of shopping and dining options, and the beautiful beaches of the southern west coast.
Source: CRMLS #NDP2508627
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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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