20301 Bluffside Cir # D-312 Unit D-312 Huntington Beach, CA 92646
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About this home
Located in the Seabridge Villas community, this two-bedroom, two-bath condo offers privacy, space, and serene views of lush landscaping, tranquil waterfalls, and peaceful ponds. Inside, you’ll find a spacious kitchen with ample counter space, a breakfast bar, and an open flow into the living area, perfect for entertaining or relaxing. The living room features a cozy fireplace and large sliding glass doors that lead to a private balcony overlooking the tropical grounds. This floor plan offers dual primary suites on opposite sides of the home. The front bedroom includes direct access to a full bath that also serves as a guest bathroom. The rear primary suite features an on-suite bathroom and its own sliding door to the balcony. Each bedroom includes two closets, with the front bedroom offering a large walk-in. Additional features include in-unit laundry with a stackable washer and dryer, a storage closet on the balcony, and two assigned covered parking spaces conveniently located near the elevator. Seabridge Villas is a 24-hour guard-gated community offering resort-style amenities including two pools and spas, four tennis courts, a fitness center, sauna, and clubhouse. All just minutes from Pacific City, Downtown Huntington Beach, and the Huntington Beach Pier.
Source: CRMLS #OC25176542
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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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