1605 Sonata Ln San Marcos, CA 92078
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About this home
Welcome to this beautifully maintained first-floor condo with no stairs or steps offering an abundance of natural light and serene mountain views. The home features large Milgard dual-pane windows and sliding doors that open to a private patio and lush green space framed by hedges for added privacy. The layout includes two convenient entrances, one leading directly into the kitchen — perfect for unloading groceries with ease. The spacious living room provides plenty of room for comfortable seating and even space for a cozy dining area. Enjoy in-unit laundry with a stackable washer and dryer tucked neatly away in a closet just off the living space. The primary bedroom continues to showcase the stunning views and includes a large walk-in closet for ample storage. With no stairs, abundant natural light, and a peaceful setting, this home is ideal for first-time buyers, downsizers, or anyone seeking a low-maintenance lifestyle in a highly desirable community. Located in the heart of Lake San Marcos, you’re just a short stroll to award-winning restaurants, The Lakehouse Hotel & Resort, two golf courses and the lake itself. Move-in ready and priced as one of the best values in Lake San Marcos, this home offers an unmatched blend of comfort, convenience, and charm.
Source: CRMLS #NDP2510352
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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.