307 Noble Dr Merced, CA 95348
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About this home
Step into this beautifully updated 4-bedroom, 2-bath home in one of Merced’s most desirable neighborhoods — Bellevue Ranch. With 2,455 sq. ft. of living space on a nearly 10,000 sq. ft. lot, this home was designed with both comfort and functionality in mind. From the moment you walk in, the spacious formal living and dining rooms set the tone for gatherings with family and friends. At the heart of the home, the chef’s dream kitchen offers endless counter space, abundant cabinetry, and a seamless connection to the family room — perfect for entertaining or cozy evenings in. The primary suite is a true retreat, featuring a walk-in closet and a hidden bonus room ideal for a home office, craft space, gym, nursery, or reading nook. The ensuite bathroom invites relaxation with a jetted tub, separate shower, dual sinks, and plenty of counter space. Throughout the home you’ll find all new light fixtures, ceiling fans, and fresh interior paint, giving every room a bright and welcoming feel. A separate laundry room with utility sink adds everyday convenience. Step outside to your expansive backyard — freshly landscaped and ready for barbecues, playtime, or creating the outdoor oasis of your dreams. With a 9,772 sq. ft. lot, the possibilities are endless. And with 31 solar panels, you’ll enjoy energy efficiency that keeps your home as smart as it is beautiful. This move-in ready Bellevue Ranch home offers the perfect blend of space, style, and sustainability — all in a neighborhood you’ll love to call your own.
Source: CRMLS #MC25219901
Neighborhood
45-day close guarantee
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.