26768 Hitching Post Ln Helendale, CA 92342
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About this home
Rare Opportunity in Silver Lakes – Owner Financing Available at Just 4.15%! With today’s higher rates, this is your chance to lock in huge savings and make your dream home more affordable. Located in the premier Silver Lakes community of Helendale, this desert oasis offers the perfect blend of resort-style living and wide-open adventure. Enjoy two private lakes for boating and fishing, a championship golf course, and a clubhouse with pool, gym, and restaurants—all included in the HOA. Cruise the neighborhood in your golf cart or head straight out to the desert with your off-road toys, because here you truly get the best of both worlds. This spacious home boasts an open floor plan with 4 bedrooms, 2.5 bathrooms, and a versatile den that can easily become a 5th bedroom or private office. Set on a rare half-acre lot, the backyard is designed for fun and relaxation with a private pool, built-in outdoor grill, and direct access to the desert trails right behind the property. Perfect for hosting family, entertaining friends, or spending weekends exploring the High Desert. Silver Lakes is more than a community—it’s a lifestyle. From golf and tennis to sandy beach areas, equestrian centers, and endless recreation, there’s something here for everyone. Whether you’re relaxing poolside, riding your side-by-side, or teeing off at sunset, this home delivers the perfect balance of leisure and adventure. Don’t miss this chance to own a piece of Silver Lakes with financing terms you won’t find anywhere else. Call today to schedule your private showing and see why this is one of the High Desert’s most exciting communities!
Source: CRMLS #HD25223112
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Close stress-free in 45 days, handled start to finish by Roam.
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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.