21 Deergrass Irvine, CA 92618
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About this home
OPPORTUNITY KNOCKS *** EXTRA LARGE BACKYARD WITH FULL DRIVEWAY *** EXCEPTIONAL OPPORTUNITY TO OWN THIS BEAUTIFUL HOME IN STONEGATE EAST *** MOST POPULAR PLAN 3 OF CAPISTRANO DESIGNED BY IRVINE PACIFIC HOME *** HIGHLY UPGRADED HOME LOCATED IN ONE OF THE MOST DEMANDING INSIDE LOCATION *** FEW STEPS TO COMMUNITY POOL & PARK *** HOME FEATURES ORIGINALLY 4 BED (4TH BEDROOM IS CONVERTED INTO THE LARGE LOFT) +3 BATH+CALIFORNIA ROOM+2 CAR GARAGE W/1,956 SF OF LIVING SPACE WHICH FEELS MUCH BIGGER *** FORMAL ENTRY *** SPACIOUS LIVING AREA IS WIDE OPEN TO HUGE KITCHEN & PLENTY OF WINDOWS *** BEAUTIFUL NATURAL STONE FLOOR DOWNSTAIRS, NEW WOOD FLOOR UPSTAIRS INCLUDED STAIRS AND DOWNSTAIRS BEDROOM, CUSTOM TWO-TONE PAINT, RECESSED LIGHTS *** GOURMET KITCHEN W/UPGRADED ESPRESSO CABINETS, UPGRADED GRANITE COUNTER TOP W/FULL MARBLE BACKSPLASH, SS APPLIANCES & BIG CENTER ISLAND W/BREAKFAST NOOK BAR *** DINING AREA W/EXTENDED CABINETS, FULL OF WINDOW WALL TO BACKYARD *** WIDE OPEN GREAT ROOM *** SPACIOUS MASTER BEDROOM W/TRAY CEILING, LARGE WALK-IN CLOSETS *** BEAUTIFUL MASTER BATH W/QUARTZ COUNTER TOP, DUAL SINKS, TUB & WALK-IN SHOWER *** UPSTAIRS INDIVIDUAL LAUNDRY ROOM *** BEAUTIFULLY LANDSCAPED BACKYARD W/COVERED LOGGIA (CALLED CALIFORNIA ROOM) & FLOWER BED FOR LOW MAINTENANCE *** CONVENIENT SHOPPING & TRAFFIC *** MUST SEE *** PLEASE CHECK 3D WALK TOUR FOR MORE DETAIL *** IT WON'T LAST LONG ***
Source: SANDIEGO #OC25173212
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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.