339 La Purisma Way Oceanside, CA 92057
Your savings
About this home
Move-in ready and beautifully updated! This expansive 3,103 sq ft home offers 5 bedrooms and 4 full baths, including a convenient first-floor bedroom and full bath—perfect for guests, in-laws, a home office, or gym. Freshly painted throughout and featuring new high-end luxury vinyl plank flooring, this home boasts a highly functional floor plan with formal living and dining rooms, plus a spacious family room that opens to the kitchen and eat-in breakfast area.The kitchen is equipped with stainless steel appliances, freshly painted cabinetry, a new Moen sink faucet, new soft-close hinges, a large center island, and an oversized walk-in pantry—ideal for storage and everyday living. Included with the sale: stainless-steel refrigerator, microwave, washer, and dryer. Additional upgrades include a dual-zoned high-efficiency HVAC system (2017) with Ecobee smart thermostats, reverse osmosis system, newer vinyl windows, a luxury sliding patio door, and a fully paid solar system for energy savings. You'll also find new window casings & modern baseboards throughout, and a 240V 50A breaker with 240V 30A EV charging outlet. Upstairs features two master suites, each with walk-in closets. The primary suite offers dual walk-in closets with built-ins and a brand new tub and shower structure with a new rain glass shower enclosure, while the second suite also includes a newly updated tub/shower structure. The secondary bedrooms are spacious, filled with natural light and also have walk-in closets. All bathrooms have been updated with brand new toilets, Moen faucets and showerheads. All new water shut-off valves have been replaced throughout the home. The upstairs laundry room offers extra space for shelving, laundry sorters, or a folding station. Outside, enjoy a low-maintenance backyard with new synthetic turf, pavers, and newer side yard fencing—perfect for entertaining or relaxing. Ideally located near freeway access, schools, shopping, restaurants, and just minutes from the beach, this exceptional Oceanside home truly has it all.
Source: CRMLS #NDP2507202
Neighborhood
45-day close guarantee
Close stress-free in 45 days, handled start to finish by Roam.
Roam Price Match
If you find a better price on any home, we’ll match it.
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.