18642 Spyglass Rd Hidden Valley Lake, CA 95467
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About this home
Charming Corner Home Welcome to your new sanctuary! This delightful turn-key property is nestled on a spacious corner lot, offering both comfort and style. As you step through the elegant formal entry, you'll be greeted by an oversized living room that’s perfect for entertaining, featuring vaulted ceilings and upgraded shutters that add a touch of sophistication. The heart of the home is the expansive kitchen, complete with neutral ceramic tile counters and backsplash, pull-out shelving, and a generous pantry closet. The adjoining dining area boasts a slider that opens to a covered back patio, ideal for outdoor gatherings. This home features three generously sized bedrooms, including a primary suite that offers a walk-in closet and a private bathroom with a convenient stall shower. The hall bathroom is equipped with a tub/shower combo, providing ample space. Convenience is key with a laundry closet located in the hallway, and the washer and dryer are included in the sale! The extra-long garage, measuring approximately 24 feet deep, provides plenty of room for oversized vehicles and even a boat. Enjoy low-maintenance, low-water landscaping in the front, side, allowing you to focus on your landscaping dreams while enjoying the fruits of your labor with producing nectarine and apple trees. Back yard has lush lawn. Situated in an ideal corner location, this home offers stunning golf course views without the hassle of being directly on the fairway. Don’t miss the opportunity to make this charming corner cutie your own! Come and see all that this lovely home has to offer!
Source: CRMLS #LC25193441
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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.