21230 Standing Rock Ave Apple Valley, CA 92307
Your savings
About this home
As you enter through the wrought iron gates, you’ll be greeted by a spacious property featuring a large concrete area on both sides of the home, including two carports for additional covered parking or storage and a circular driveway! Step inside to beautiful real wood floors, a step-down living room with a cozy gas fireplace and a bay window that fills the space with warm, natural light. The upgraded kitchen showcases all new appliances, including a five-burner stove, and stylish finishes that make it a chef’s dream. Down the hall you will find two large bedrooms and the guest bathroom with a rustic, elegant touch. The primary retreat, 3rd bedroom, features his and hers closets, dual sinks, a soaking tub, and sliding glass doors leading out to the patio—perfect for morning coffee or evening relaxation. Outside, enjoy a backyard designed for entertaining, featuring a large, covered patio, firepit with pavers, outdoor BBQ area with counter space, multiple storage sheds (2 with electricity), fruit trees, garden bed, chicken coop, and mature shade trees. The property is fully fenced and cross-fenced, zoned for horses. Also, solar panels that keep electric bills to nearly nothing. The three-car garage includes a bay that has been converted into additional living space/ 4th bedroom option provides flexibility for a home office, gym, or guest room, which can easily be converted back if buyer prefers to the 3 car garage. With plenty of extras and upgrades available with the right offer, this home truly has it all—come see it today!
Source: CRMLS #HD25237201
Loan details
Neighborhood
45-day close guarantee
Close stress-free in 45 days, handled start to finish by Roam.
Roam Price Match
If you find a better price on any home, we’ll match it.
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.