21408 Trail Ridge Dr Escondido, CA 92029
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About this home
End lot Seabreeze neighborhood home in Harmony Grove Village has 4 bedrooms, 3.5 bathrooms and features multiple built-ins, picture frame wainscoting, accent walls, and upgraded flooring throughout. The flexible floor plan includes a first-level bedroom with an attached private bathroom, a dedicated office with a walk-in closet, an upstairs loft, and thoughtful storage nooks. Additional highlights include owned solar, plantation shutters, a chef’s kitchen with granite countertops & stainless appliances, built-in media center, tankless water heater, a low-maintenance backyard with pavers, and a spacious primary suite. The kitchen is a true standout, featuring updated flooring, white cabinetry with two upper cabinets showcasing glass-front doors, granite countertops, and a large center island with seating. Additional upgrades include a full custom tile backsplash, under cabinet lights, stainless steel appliances, pendant lighting, and pull-out trash receptacles. The kitchen opens to a bright dining area accented with wainscoting and windows that bring in abundant natural light. Sliding glass doors lead directly to the backyard, creating a seamless indoor-outdoor connection. Throughout the main level, you’ll find elegant picture frame wainscoting, updated flooring, and custom millwork. A stylish hallway nook with a built-in ledge and arched mirror provides visual interest and display space. The powder room is conveniently located and finished with modern upgrades. The family room includes a built-in entertainment system with shelving and lower cabinet storage, a ceiling fan, and plenty of space for comfortable seating. The adjacent paved backyard is low maintenance and ideal for outdoor entertaining or relaxing, with multiple areas for seating and easy access from the main living area. The versatile first-level office offers a picture frame wainscoting accent wall, plantation shutters, updated flooring, and a walk-in closet. The first-level bedroom features a custom wood-paneled wall, plantation shutters, a closet with wood sliding doors, and an attached private bathroom with custom tile backsplash, updated fixtures, and a floor-to-ceiling tile shower with frosted glass doors. Upstairs, the spacious loft offers flexibility for a second living area, office, or media room and includes recessed lighting, a ceiling fan, and a charming round window in a custom-cut nook. Additional upstairs bedrooms include ceiling fans, plantation shutters, and closets with sliding wood doors. A built-in storage nook with storage cabinets adds function to the upper hallway. The upstairs bathroom features white countertops, a custom tile backsplash, an extra-large mirror, and a shower/tub combo. The upstairs laundry room is fully equipped with upper and lower cabinetry and multiple hanging racks for added convenience. The primary suite features a ceiling fan, plantation shutters, a built-in shelving nook with lower storage, and accent wall. The en-suite bathroom includes dual sinks, tile backsplash, a wall-to-wall mirror, a soaking tub, a walk-in tile shower with bench seating and glass doors, a private toilet room, and a spacious walk-in closet with recessed lighting. Harmony Grove Village is a master planned community with gorgeous mountain ridgeline views, multipurpose trails, gated pool for homeowners, multiple private parks and huge 4th of July Park (open to the public). The Grove is the perfect place to enjoy the outdoors- it includes the pool, jacuzzi, wading pool, barbeques, shaded tables, play structure and a covered lounge area with outdoor furniture and fireplace.
Source: CRMLS #PTP2508045
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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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