2687 Cedar St Ventura, CA 93001
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About this home
This is a stunning contemporary home in Ventura's desirable Solana Heights community.Built in 2018, this beautifully maintained 4-bedroom, 3-bath residence blends modern design, comfort, and coastal charm. The inviting open-concept layout features high ceilings, abundant natural light, and stylish finishes throughout.The gourmet kitchen is the heart of the home, offering quartz countertops, stainless steel appliances and an oversized island highlighted with pendant lighting accents, perfect for casual dining or entertaining. Multiple dining options include a formal dining area, breakfast bar seating, and a private outdoor patio ideal for evening meals.A convenient main-level bedroom and full bath provide flexibility for guests or multi-generational living. Upstairs, spacious bedrooms and a serene primary suite offer comfort and privacy, in addition to an open loft ideal for an office space or gym. Situated on a desirable corner lot, this home enjoys expanded patio space with a private spa, a 2-car garage, and mountain views. Residents of Solana Heights appreciate the community's parks, picnic areas, and playgrounds all just minutes from Ventura's beaches, hiking and biking trails, and the vibrant downtown scene.Experience elevated coastal living in this immaculate Ventura home where style, comfort, and location come together beautifully.
Source: CRMLS #V1-33143
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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.