2041 Symonds Dr Pine Mountain Club, CA 93222
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About this home
Your Mountain Paradise Awaits! Escape to the serenity of Pine Mountain Club with this beautifully maintained 2,360 sq. ft. mountain retreat. Featuring 3 bedrooms, 2.5 baths, and sitting on one of the rare half-acre parcels (.49 acre) in the community, this property offers both comfort and opportunity. Nestled in the scenic Los Padres National Forest of Kern County, this unique property includes a separate HOA lot that can be developed into an additional home, a weekend cabin, or transformed into your very own private family park. Home Highlights Spacious floor plan with fresh paint, new high-end carpet, and bright natural light throughout Expansive deck with breathtaking panoramic views Fully finished basement featuring a gaming area, half bath, home theater with surround sound, 75” flat-screen TV, sectional couch, and an elegant electric fireplace Gourmet comfort with a brand-new, high-efficiency 16 SEER HVAC system, tankless water heater (endless hot water), and 3-stage water filtration system (plus a year’s supply of filters) Peace of mind with a brand-new Generac whole-house generator and automatic transfer switch Luxurious Living Oversized master suite with large windows, abundant closet space, and spa-style bath with an oval soaking tub and scenic window views Two spacious downstairs bedrooms, each with large windows, laundry closet, and wall-mounted flat-screen TVs (included!) Lifestyle Amenities Enjoy all that Pine Mountain Club has to offer, including: Hiking, biking, golfing, and horseback riding Tennis, parks, restaurants, and a private clubhouse The fresh mountain air and peaceful privacy of nature This is more than just a home — it’s a mountain lifestyle getaway with modern upgrades, luxurious details, and endless potential.
Source: CRMLS #SR25214851
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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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