1939 El Milagro Rd San Jacinto, CA 92582
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About this home
Welcome to 1939 El Milagro Rd in San Jacinto! This single-story charmer was built in 2016 and sits inside the gated community of Kirby Village. It’s the kind of home that feels cozy the moment you walk in—bright, clean, and easy to love. Inside, you’ll find 3 bedrooms and 2.5 baths with an open floor plan that makes daily living simple and comfortable. The kitchen has granite counters, stainless steel appliances, and a roomy breakfast bar that flows right into the dining and living areas—perfect for hosting family dinners or game nights. The primary suite includes a walk-in closet and private bath, while the two additional bedrooms offer flexibility for kids, guests, or a home office. Outside, front yard beautiful landscaping with drip system. The low-maintenance backyard is ready for relaxing weekends or easy BBQs. The home sits on a corner lot, giving you a little extra space and privacy, plus a finished tandem garage with plenty of storage. Kirby Village is a quaint and beautiful community with low HOA that offers great amenities—a gated entry, basketball court, bocce, kids play area, dog park, BBQ and covered picnic areas. With beautiful mountain views and nearby shops, schools, and parks, it’s a great spot for anyone looking for a quiet neighborhood with convenience close by. Whether you’re a first-time buyer or downsizing, this home checks all the boxes for comfort, security, and value.
Source: CRMLS #IV25247178
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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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