1709 Santa Carolina Ave Unit 2 Unit 2 Chula Vista, CA 91913
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About this home
THIS HOME QUALIFIES FOR A $20,000 GRANT WHICH CAN BE USED FOR A DOWN PAYMENT AND/OR CLOSING COSTS! Welcome to your dream townhome in the heart of Otay Ranch! This bright, spacious 3-bedroom, 2.5-bath end-unit sits on one of the best lots in the community a private CORNER location with a large front patio, a private side yard, and direct access to extra guest parking right outside your gate. With 1,587 sq ft of stylish living space, this move-in ready home offers the perfect mix of comfort, functionality, and location. Step inside to an open-concept floorplan filled with natural light, upgraded flooring, and fresh paint throughout. The modern kitchen overlooks both the living and dining areas perfect for entertaining or staying connected while you cook. Upstairs, you'll find three generously sized bedrooms, including a huge primary suite with a walk-in closet and spacious bath. Need convenience? Youve got in-unit laundry, an attached one-car garage, and plenty of nearby guest parking. As a resident of Parc Place, youll enjoy resort-style amenities: sparkling pool and spa, pickleball and tennis courts, basketball court, gym, BBQ areas, putting greens, and a fun-filled rec center everything you need to relax, play, or stay active. Located just minutes from top-rated schools, beautiful parks and trails, shopping, dining, and quick access to both the 125 and 805, this home has it all. Whether you're a first-time buyer, young family, or looking for a low-maintenance lifestyle in a fantastic community this one checks every box. Come see it for yourself and fall in love this gem wont last long!
Source: SANDIEGO #SW25200411
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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.