16447 Wikiup Rd Ramona, CA 92065
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About this home
Welcome to this 4-bedroom, 2.5-bathroom, single-level home with a clean contemporary design and offering over 3,000 sq. ft. of living space. Located in the in the heart of San Diego County, in the highly desired Ramona neighborhood of the San Diego Country Estates. The kitchen features quartz countertops, stainless steel appliances, a spring water filtration system, as well as plenty of storage and workspace. The primary suite includes a fireplace, large walk-in closet, jacuzzi soaking tub, and separate shower. A split bedroom floor plan provides privacy, with three additional bedroomsall on the opposite wing of the primary suite. Formal areas of the home include a unique octagonal living space with large windows that fill the home with natural light and a large formal dining room. The family room features vaulted ceilings and a fireplace, creating a comfortable and open atmosphere. Step outside to your fully fenced private backyard retreat, complete with a sparkling pool, covered patio, and shaded seating area. The backyard also includes a collection of fruit trees, featuring peach, asian pear, pomegranate, orange and apricot. Enjoy panoramic views of Eagle Peak, the Laguna Mountains, and Cuyamaca Mountains, often snow-capped in winter. The property backs to open space, offering privacy in a natural setting. Additional features include a spacious indoor laundry room with deep sink, folding station, and ample storage in the 2-car garage. If youre searching for a single-story home for sale in Ramona, CA with mountain views, modern updates, and a pool, this home offers an ideal blend of comfort, space, and setting. Come see what makes this Ramona property stand out!
Source: SANDIEGO #NDP2510614
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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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