2033 Bruceala Ct Cardiff By The Sea, CA 92007
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About this home
Discover a hidden gem in the coastal paradise of Cardiff-By-The-Sea! This stunning 4-bedroom modern beach home offers an unparalleled blend of luxury and relaxation, truly embodying the North County coastal luxury lifestyle. Enter through an inviting courtyard enclosed with exotic ipe hardwood paneling, offering ample space to unwind amidst mature landscaping and sunshine. Step inside to find elegant Italian hardwood flooring throughout, expansive open-concept living space, perfect for both comfort and entertainment. The kitchen, a true culinary delight, boasts top-of-the-line appliances, a spacious island, and an eat-in breakfast area. Adjacent, a sophisticated wet bar and wine cellar with a split cooling system and 560-bottle capacity caters to wine enthusiasts. Retreat to the master suite, complete with a fireplace and a private balcony. The luxurious master bath features heated floors, a spa bathtub, and walk-in shower with dual shower heads. LaCantina doors seamlessly blend indoor and outdoor living spaces. Outside, your personal oasis awaits with a custom saltwater pool/spa, outdoor kitchen, and a gas fireplace for cozy evenings. Mature landscaping, fruit trees, and two raised planter boxes with a drip system complete the backyard sanctuary. This coastal dream home is equipped with a metal roof, dual energy efficient AC units for upper and lower level, and a privately owned 28-panel solar system with a Tesla battery wall and charger. The 3-car garage provides ample space for your vehicles, surfboards, bikes, and more. Located in a cul-de-sac, just minutes from the beach, restaurants and boutique shopping, in a highly sought after school district. Make your dream a reality with this exceptional home in Cardiff-By-The-Sea!
Source: CRMLS #NDP2510671
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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.