21255 Minnetonka Rd Apple Valley, CA 92308
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About this home
Beautifully Updated Home with Extra Garage, Outdoor Upgrades This home has been thoughtfully upgraded inside and out. The exterior features new stucco and fresh paint, giving it crisp curb appeal. New dual-pane windows let in plenty of light while improving energy efficiency. While the records show 2 bedroom, there has been a 3rd bedroom added. Permits are available. There is a small addition added on off the kitchen providing extra space for whatever you desire, currently used as a dog room. Inside, youll find a bright, inviting space with freshly painted walls, new ceiling fans, and recessed lighting in both the living room and the primary bathroom. The living room also features a cozy wood-burning fireplace, perfect for relaxing evenings and the carpet is only about two years old, offering comfort underfoot. The kitchen includes a new built-in microwave, freshly painted with new cabinet hardware and upgraded lighting, while both bathrooms have been remodeled with modern finishes. The HVAC system is about 1 yr old. Outdoor living is a highlight with a covered patio, a built-in barbecue, and a 120 sq. ft. shed for extra storage. A 2-car attached garage provides convenient parking, and theres also a separate 1-car garage (approx. 523 sq. ft.) with a dedicated work area, perfect for hobbies or extra storage. The home also offers indoor laundry for added convenience. To top it all off, solar panels are completely paid off, giving you energy savings with no extra payment. Move-in ready and packed with upgradesthis home is truly a must-see!
Source: SANDIEGO #HD25165129
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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.