3223 Sespe Creek Way Chico, CA 95973
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About this home
Welcome to 3223 Sespe Creek Way, where luxury, technology, and thoughtful design come together in perfect harmony. From the moment you arrive, it's clear that no detail has been overlooked. This exceptional home is more than just a place to live; it's an experience. Nestled in a peaceful neighborhood, this residence has been custom-tailored to provide Solar with backup, entertainment, and comfort for the modern lifestyle. Step through the custom glass storm door and into a world of elegant finishes where crown molding, plantation shutters, designer lighting, and polished engineered hardwood flooring orchestrate a warm and sophisticated ambiance. Guests are welcomed to a wet bar unlike any other. Featuring imported Brazilian granite countertops, a custom granite sink, triple reverse osmosis systems, dual beverage and wine refrigerators, programmable hot/cold/alkaline water dispensers, and a double-sterilized ice machine, all exquisitely backlit to elevate any gathering. The open-concept living area was built to impress, with a media wall outfitted for an 84" TV and surround-ready, custom cabinetry, fireplace, and tray ceilings. The chef's kitchen is a showstopper with its matching Brazilian granite, hand-painted tile backsplash, black stainless steel Flex duo smart appliances, and a Smart HUB fridge with designer package. A matching granite lazy Susan ties it all together in the breakfast nook. Entertain with ease or unwind in style; this home was designed for both. The spacious primary suite offers French door access to the backyard, a luxurious bathroom retreat with a Venetian marble walk-in shower featuring dual shower heads, a teak wood bench, dual vanities, and a real wood custom closet system with hidden storage. Each additional bedroom is equally appointed with custom closet systems, one with a built-in Murphy desk setup, and Smart TV hookups. Every system in the home has been optimized, from the energy-efficient HVAC and chemical-less water conditioning system to smart controls for irrigation, lighting, locks, appliances, and security systems. The whisper-quiet garage featuring insulated doors, epoxy flooring, bay lighting, smart openers, & a smart Level 2 EV charger, plus a dedicated workshop bay with storage & power. The backyard retreat boasts drought-tolerant landscaping, fruit trees, pergola, outdoor theater, fire pit, greenhouse, 2 sheds (1 is air-controlled) & jacuzzi pad. Over $350k+ in upgrades, built to impress & ready to welcome you home!
Source: CRMLS #SN25158426
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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.