2770 Sparta Rd Unit 14 Unit 14 Chula Vista, CA 91915
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About this home
Welcome home to this beautiful 4-bedroom tri-level condo featuring a full bedroom and full bathroom conveniently located on the first level! This home offers an excellent location within the community and a spacious, well-designed layout. The main living area boasts luxury vinyl plank flooring, while the bedrooms feature brand new carpet for added comfort. The open-concept living and kitchen area is filled with natural light, creating an inviting space perfect for both relaxing and entertaining. The kitchen is equipped with warm shaker cabinetry, granite countertops, and stainless steel appliances. This level also includes a full laundry room and a half bathroom for added convenience. Upstairs, you’ll find three spacious bedrooms and two full bathrooms, including the primary suite with a private ensuite bathroom. Additional updates include fresh interior paint throughout, enhancing the home’s bright and modern feel. Located directly across the street from the Olympic Training Center and conveniently close to the 125 freeway, this home is also zoned for the Sweetwater Union High School District, with a nearby high school rated 9.
Source: CRMLS #PTP2508013
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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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