18752 Caminito Cantilena Unit 176 Unit 176 San Diego, CA 92128
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About this home
Complex now approved for Fanny Mae and conventional lending. Sellers will agree to pay first 6 months of HOA dues with accepted offer. Come check out the Bernardo Vista Del Lago resort lifestyle complete with 2 community hot tubs, 3 pools (including 25-meter exercise lap pool), fully equipped exercise gym, pickleball, tennis, recreation room, duck pond and scenic hiking and biking trails. When you're done enjoying all of the community amenities, come home to a gorgeous, turn-key condo, lovingly updated over the past 2 years by caring owners. This must-see top to bottom remodel includes new lighting, paint, fireplace, kitchen, bathroom and flooring. Step through the freshly painted front door and designer entry tile to find a bright and luxurious, vaulted ceiling living room complete with modern LED lighting and a fireplace finished with modern concrete surround over tile, capped by a thick wooden hearth. The kitchen has been redesigned with bar height counter to improve its connection to the dining space and boasts modern gray, shaker style cabinet doors with brushed nickel handles, light colored stone countertops, all new appliances (included), deep single compartment sink, new faucet, tile backsplash, LVP flooring and modern light fixtures. Past the kitchen bar, a large wall mirror (included with sale) adorns the dining space. Custom-built, white barn door separates the bathroom, bedroom and in-unit laundry (stacked washer/dryer included with sale). Primary bedroom includes a walk-in closet, updated LED lighting and sliding glass door to patio. The patio offers room for a BBQ and cafe table with a view to Battle Mountain and its cross. Bathroom has been completely redesigned with farm style double sink vanity, beautiful sea foam tiled shower surrounded by glass and a frameless sliding bypass door, new lighting, mirrors, faucets, multi-color Bluetooth speaker/fan/light, toilet and LVP flooring. List of recent upgrades: Fresh paint throughout; New light fixtures and chandeliers throughout (LED can lights w/dimmers were also added); added power outlets w/USB ports; LVP flooring in kitchen and bath; Kitchen: Granite countertop, tile backsplash, deep single bowl sink, disposal, faucet, refinished cabinets w/new hardware; Bathroom: Expanded shower replacing wall with gorgeous glass and sliding door, modern farmhouse style double sink vanity, mirrors, light fixtures, toilet, multi-color fan/light connects to bluetooth for music in the shower; built-in laundry shelving.
Source: CRMLS #NDP2508399
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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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