329 E Church Ave Ridgecrest, CA 93555
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About this home
PRICED TO SELL!!! Welcome to your newly updated turnkey home! Upon entering, you'll be greeted by an inviting open-concept layout, where clean lines and natural light and warmth create a sense of spaciousness and tranquility. The heart of the home, the gourmet kitchen, boasts sleek finishes, large kitchen island that is open to the living room, new beautiful stainless steel range and oven that features an integrated griddle. Ample counter space, making it a delight for culinary enthusiasts. The quartz kitchen island offers a warm and inviting atmosphere, perfect for relaxing or entertaining, after a long day of entertaining retreat to the tranquility of your bedroom and private bath, which features a renovated spa-like walk-in shower. Throughout the home you'll find refreshed paint and ceiling fans to cool down in the hot summers. The backyard offers a large open space that is partially shaded by a beautiful tree, the space is ready for you to reimagine the landscape and bring your ideas to life. Features a spacious fenced out enclosure for pets or gardening. Come experience this home and quiet neighborhood today!
Source: SANDIEGO #IV25173913
Neighborhood
45-day close guarantee
Close stress-free in 45 days, handled start to finish by Roam.
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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.