34534 Spindle Tree St Winchester, CA 92596
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About this home
Tucked away in the heart of the coveted Whispering Heights community, this stunning 2-story residence isn’t just a house—it’s the beginning of your next chapter. From the moment you enter this 3,188 sq. ft. masterpiece, you’ll feel the care and craftsmanship that went into every detail. The heart of the home is a gleaming white kitchen adorned with quartz countertops, upgraded cabinetry, and stainless steel appliances. Whether you're enjoying a casual breakfast at the cozy two-top booth or entertaining around the large center island, this space is designed for connection. Just beyond, the great room invites you to unwind by the fireplace, while natural light pours in through custom window coverings and upgraded shutters. A full downstairs bedroom and bath, tucked behind a charming custom sliding barn door, offers privacy for guests or multigenerational living. Upstairs, a comfortable loft provides the perfect retreat for movie nights or a quiet reading nook. You’ll find four spacious bedrooms, including a luxurious primary suite, all bathed in neutral tones and accented by cool porcelain tile, bullnose corners, and 9-foot ceilings that elevate the space. Outside your own private oasis awaits. The fully covered Alumawood patio with a ceiling fan is ideal for summer barbecues, while the sculpted concrete patio and lush new sod create a serene backdrop for outdoor living. The pool-sized backyard—spanning over 11,000 sq. ft.—is a blank canvas for your dream garden, pool, or play area. And let’s not forget the spacious 4-car tandem garage, perfect for car enthusiasts, hobbyists, or extra storage. Built by Beazer Homes, this residence is more than move-in ready—it’s absolutely turnkey. With top-rated schools, shopping, and parks just minutes away, this is more than a home. It’s a lifestyle
Source: CRMLS #PW25219842
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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.