28307 Memory Ln Winchester, CA 92596
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About this home
Welcome to this stunning 4-bedroom, 3.5 bathroom single-family home, built in 2022 and located in a quiet cul-de-sac with no HOA. A standout feature is the potential income-producing ADU with its own private front entrance, kitchenette and bathroom —ideal as a rental unit, mother-in-law suite, or multigenerational living space. This modern residence offers a spacious open floor plan with newer luxury vinyl plank flooring, a chef’s dream kitchen featuring a large center island with breakfast bar, white quartz countertops, upgraded appliances, designer lighting, pantry and abundant cabinet storage. The open concept family room is perfect for relaxing or entertaining, while the upstairs loft provides a flexible space for a home office or kid’s playroom. The private master suite includes a generous walk-in shower and spacious walk-in closet. Enjoy the beautifully landscaped backyard with grass, no neighbors behind, and an 18ft above-ground spa, along with low-maintenance front landscaping. The property also includes a spacious garage with home gym potential, alkaline water filtration system, paid-off solar panels, vinyl and brick fencing, and a full security camera system. Best of all, this home is in a newly completed neighborhood with access to finished community amenities including a playground, basketball court, and pavilion, just a short walk away. This home offers a unique advantage with no neighboring property directly behind, providing enhanced privacy and peaceful mountain top view. Move-in ready and offering modern comfort, energy efficiency, and privacy—this home has it all!
Source: CRMLS #PW25183635
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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.