21540 Ives Dr California City, CA 93505
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About this home
Welcome to your peaceful retreat in California City! Nestled on an expansive 13,000+ sqft lot, this well-maintained single-family home offers the perfect blend of comfort, space, and versatility. Step inside to find a bright and inviting layout featuring 3 spacious bedrooms, 2 full bathrooms, a cozy living room, and a dedicated dining area that opens up to the kitchen ideal for gatherings. The bonus room adds flexibility—perfect for a home office, gym, or extra living space to suit your needs. The attached garage and extra-long driveway provide ample parking, with room for an RV or up to 6 vehicles—making this home ideal for outdoor enthusiasts, hobbyists, or multi-vehicle households. Enjoy year-round comfort with central A/C and take full advantage of the generous lot—there’s plenty of room to add a pool, workshop, or create your dream backyard oasis. Whether you're entertaining or simply relaxing under the open sky, this property delivers the space and privacy you’ve been looking for. Located in a quiet neighborhood with wide streets and open skies, this home combines a laid-back lifestyle with all the essentials. Don’t miss your chance to own this slice of California City!
Source: CRMLS #250028902SD
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.