2425 Sand Harbor Ct Paso Robles, CA 93446
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About this home
Nestled within the desirable community of Lakeside Village at Heritage Ranch, this impressive single-story residence offers 2,462 square feet of thoughtfully designed living space. The home features 3 spacious bedrooms + a versatile office, ideal for working from home, creating a hobby space or even an additional bedroom if needed. The floor plan blends comfort and functionality with both a formal living room and a welcoming family room centered around a cozy fireplace. The family room seamlessly connects to the kitchen and dining areas, making it perfect for everyday living and entertaining. The chef’s kitchen is a true highlight, offering a large island, walk-in pantry, stainless steel appliances including a newer dishwasher, gas cooktop, oven, and microwave, along with beautiful granite counters. One of the two dining spaces opens to the backyard through a sliding glass door, extending your living space outdoors. The primary suite serves as a private retreat with a custom walk-in closet and a luxurious en suite featuring dual vanities with granite countertops, soaking tub, walk-in shower, and separate water closet. Practical upgrades throughout the home include wood-like laminate flooring in the bedrooms, tile flooring in the main areas, indoor laundry, a tankless water heater, epoxy garage floors, solar and even an EV charger. Outside, the property is designed for low-maintenance living with great curb appeal, gated side parking ideal for a boat or RV, and a concrete backyard with terraced outdoor spaces for entertaining or relaxing. Move-in ready and updated with modern amenities, this home also gives you access to the incredible lifestyle that Heritage Ranch offers, from lake activities to community amenities, don't let this one slip by!
Source: CRMLS #NS25193565
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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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