309 Heritage Valley Pkwy Unit PY Fillmore, CA 93015
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About this home
Premium Two-Story Home in Iron Horse NeighborhoodStunning 2018 custom home on expansive 11,325 SF lot with breathtaking mountain views!This impressive 3,177 square foot residence features 4 spacious bedrooms, 4 full bathrooms, and 1 convenient half bath, perfectly designed for comfortable living and entertaining. The thoughtfully planned two-story layout maximizes both space and natural light throughout.Interior Highlights: Gourmet kitchen with large center island and upgraded cabinetry Beautiful combination of wood laminate flooring and carpet throughoutMultiple living areas perfect for daily life and hosting Well-appointed bathrooms with modern fixtures Generous bedroom sizes with ample storageExterior & Property Features: Massive 11,325 SF lot providing exceptional privacy and space Convenient 3-car attached garage with direct home access Useful storage shed in backyard for tools and equipment No HOA - enjoy complete freedom and privacy Spectacular mountain views from multiple vantage pointsPrime Fillmore Location: Desirable Iron Horse neighborhood setting Conveniently close to elementary school Easy access to Highway 126 for commuting Close to Fillmore's charming downtown and local amenities Perfect blend of small-town living with modern convenienceBuilt in 2018, this home combines contemporary design with quality construction. The generous lot size offers endless possibilities for outdoor enjoyment, gardening, or future expansion. Don't miss this rare opportunity to own a piece of Fillmore's newest residential development!
Source: CRMLS #225004666
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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.