32463 Mckiernan Ln Menifee, CA 92584
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About this home
Prepare to be impressed by 32463 McKiernan Lane — a stunning residence where modern luxury, thoughtful design, and exceptional long-term value come together seamlessly. This beautifully maintained home features 3 bedrooms plus a versatile office that can easily be converted into a 4th bedroom. Enjoy smart living with custom electric shades operated by remote in key living areas and CAT 5 internet wiring in every room, ideal for remote work, gaming, or studying. The home is equipped with two fully paid-off SunPower solar systems (26 panels total), providing complete energy coverage, annual credits, and true energy independence. Inside, you’ll find abundant storage throughout, including walk-in closets in every bedroom, multiple linen closets, and extra cabinetry near the garage entry. The primary suite offers a relaxing retreat with a soaking tub and separate shower. The chef-inspired kitchen features a spacious island, stainless steel appliances, and a walk-in pantry, opening seamlessly to the living room with double sliding doors leading to the custom backyard complete with raised garden beds, a retaining wall, concrete patio, and charming front porch. Additional highlights include pre-wiring for ceiling fans and lights, a tankless water heater, indoor laundry with wash basin, a full drainage system, and extra wall insulation for comfort and privacy. With a low HOA fee of just $118 per month, residents enjoy access to playgrounds, fitness trails, bike and horse paths, and Veterans Park. For qualified buyers, there’s even more value with an assumable VA loan offering an incredibly low 3.875% interest rate. Don’t miss the opportunity to own this exceptional home that perfectly blends style, efficiency, and lasting value.
Source: CRMLS #SW25238931
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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.