28610 Portsmouth Dr Menifee, CA 92586
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About this home
*** Motivated Seller*** Welcome to this stunning, fully remodeled home located in the highly desirable 55+ community of Sun City Civic Association in Menifee. This spacious 2-bedroom, 2-bathroom residence offers 1,706 square feet of beautifully updated living space on a premium 7,840 sq ft corner lot. Step inside to discover a modern open-concept layout filled with natural light. The kitchen has been thoughtfully redesigned with sleek cabinetry, quartz countertops, and stainless steel appliancesperfect for entertaining or enjoying quiet mornings at home. Both bathrooms have been upgraded with spa-like finishes, including a walk-in shower and stylish vanities. New luxury vinyl flooring and dual-pane new windows enhance energy efficiency, comfort, and visual appeal. Situated on a spacious corner lot, the property offers added privacy, low-maintenance landscaping, and excellent curb appealideal for relaxing, gardening, or entertaining. This home has also been well maintained over the years with major system upgrades already completed. The roof and HVAC system (including ductwork) were replaced within the last 8 years, and the plumbing was updated approximately 12 years ago. The previous owner also organized documentation for the plumbing, HVAC, water heater, appliances, sprinkler system, garage door, and more, which is available onsite for buyer reviewproviding peace of mind and added value. As a resident of Sun City Civic Association, youll enjoy access to a wide range of resort-style amenities designed for active adult living, including: Two large pools and a spa Fitness center Lawn bowling and shuffleboard courts Billiards room Craft, sewing, and woodworking rooms Scenic walking paths and picnic areas Dozens of social clubs and community events An auditorium for dances, concerts, and gatherings Convenient access to an on-site golf course Dont miss this opportunity to enjoy low-maintenance, resort-style 55+ living in a quiet, well-established neighborhood with low HOA dues ($35/month) and close proximity to shopping, dining, and medical facilities.
Source: SANDIEGO #SW25130786
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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.