31800 3rd St Acton, CA 93510
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About this home
Welcome to 31800 3rd Street, a property that blends Acton’s small-town heritage with modern comfort and custom accents. Ask about the assumable FHA loan option at 3.49%! This rare opportunity could mean real savings for the right buyer and sets this home apart from the rest. Offering 4 bedrooms and 3 bathrooms across 2,428 sq. ft., this home sits on a 14,648 sq. ft. lot with plenty of space to live, entertain, and grow. The kitchen features Whirlpool appliances, a GE stainless steel range, granite countertops, and custom cabinetry accented by a detailed tile backsplash and ornate hood. Throughout the home, unique features stand out, such as custom stone accents, ornamental iron entry doors, wood-and-tile stairs, a private office, and a rustic pantry with its vintage porthole-style door. For those who love to entertain, the garage has been creatively converted into a saloon-style bar while maintaining a separate garage workspace with epoxy floors and custom workbench. The backyard includes a shed and playhouse with electricity, open space for gardening, and a covered patio for outdoor dining or simply relaxing under string lights. With two separate driveways, there’s plenty of room for RVs, trailers, and recreational toys. An owned solar system, paid in full, adds value and energy efficiency. While county records show a 1979 build date, local lore tells of an original 1871 homestead once on this site, with one preserved wall said to remain as a heritage element. The property also sits near the route of an early Acton stagecoach stop, adding a unique sense of place. This one-of-a-kind property offers history, custom details, and modern amenities—all within commuting distance to Los Angeles
Source: CRMLS #BB25230125
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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.