32736 Cottonwood Rd Winchester, CA 92596
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About this home
Welcome to this Impressive 5 Bedroom, 6 Bath Retreat Near Temecula Wineries! Step into this beautifully designed home where soaring ceilings create a sense of openness. The expansive living spaces are bathed in natural light, making it feel bright and inviting. At the heart of the home, enjoy your new chef's kitchen, expertly crafted for both everyday living and unforgettable entertaining. With a spacious island perfect for gathering, ample counter space for meal prep, open large walk in pantry and a built-in desk area for staying organized—all seamlessly flowing into the open-concept living area. Here, integrated surround sound sets the stage for cozy movie nights or your next lively get-together. The luxurious master suite is privately located on its own side of the home for true seclusion, complete with its own personal view-enough room for your own private lounging retreat. Enjoy a spacious walk-in closet and a master bath with his-and-hers separate sinks. This home features everal balconies, each offering its own unique vantage point—including spectacular views of the observatory and the city’s Fourth of July fireworks. Includes a versatile den—perfect for a home office, creative studio, reading nook, or even a playroom. With ample natural light and a quiet atmosphere, the den offers a flexible space to suit your lifestyle needs, whether you’re working from home, pursuing hobbies, or just seeking a cozy sapce. This home is truly designed for flexibility and privacy, featuring two luxurious mother-in-law suites, each with oversized walk-in closets and a private bath—ideal for extended family, guests, or creating your own creative Next Gen Suite. The entire home has been freshly painted, giving it a crisp, modern feel, updated feel. Step out to the expansive backyard, thoughtfully divided to offer ultimate privacy for every generation. This backyard will not dissppoint with its immediate sense of exclusivity and seclusion, with mature landscaping that creates a sense of peace—almost as if you’re miles away from your neighbors. This home truly has it all, these multi family homes do not come around often so strike while the irons HOT! Your private showing will not dissappoint.
Source: CRMLS #SW25251351
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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.