31343 Kailua Dr Winchester, CA 92596
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About this home
Welcome home to this inviting 3,895 sq. ft. two-story residence that perfectly blends space, light, and livability. Step inside and you’re greeted by soaring ceilings, a natural color palette, and an abundance of sunlight that fills every corner. The open-concept design creates effortless flow between the living, dining, and kitchen areas — ideal for both gatherings and quiet mornings. The kitchen features granite countertops, a large center island, stainless steel appliances including double ovens, gas range, built-in microwave, and a walk-in pantry. Tile flooring runs throughout the downstairs for easy care and timeless appeal. A main-floor bedroom and full bath offer convenience for guests or multi-generational living, while a separate office (sixth bedroom) provides flexibility for today’s lifestyle. Upstairs, the oversized landing opens into a versatile loft — the perfect spot for movie nights, homework, or a second living space. The primary ensuite retreat features a full bath with soaking tub, separate shower, and two walk-in closets. Three additional bedrooms and two full baths complete the upper level. Energy-efficient upgrades include 16 solar panels, a Nest system, and a QuietCool whole house fans. Outside, parking with private double gate access for an RV or boat , brick fencing, and a low-maintenance yard. Located in the Murrieta Vista High School district, this home also offers a very low HOA dues and proximity to shopping, dining, and the Temecula wineries. Come experience how this home feels — spacious, bright, and ready for your next chapter.
Source: CRMLS #SW25234611
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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.