34803 Mediterra Cir Winchester, CA 92596
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About this home
Welcome to this beautifully upgraded 5-bedroom, 3-bathroom home located on a peaceful cul-de-sac in Winchester! With 3,212 sq. ft. of thoughtfully designed living space, this two-story gem combines modern luxury with everyday functionality. The heart of the home is the remodeled kitchen, showcasing stunning white quartz countertops with dramatic black striations, a black granite utility sink, stainless steel appliances, white soft-close cabinetry, a large center island with bar seating, custom industrial lighting, and a built-in wine fridge. The space opens to the cozy family room, complete with a custom bar, a second wine fridge, and a large industrial ceiling fan for added comfort. Elegant custom black barn doors separate the formal living room from the main living area, offering flexibility and style. Additional upgrades include luxury vinyl plank flooring, wood blinds, custom paint, and recessed lighting in select rooms. Downstairs also features a formal dining room with statement industrial lighting, a bedroom, and a full bath—ideal for guests or multi-generational living. Upstairs, you'll find three spacious secondary bedrooms with newer carpet and generous closets, plus an oversized primary suite with its own industrial ceiling fan, walk-in closet, and a private spa-like bath with custom black sink, white cabinetry, a sunken tub, separate shower, and private toilet room. Step outside to a pool-sized backyard, perfect for entertaining! It offers a large wood patio cover, a mix of decorative concrete and lawn space, and a rear slope for added privacy from rear neighbors. Additional features include: 3-car tandem garage with storage racks and EV charger, solar, water purifier/softener system, ADT security system Close to the heart of Temecula’s wineries, shopping, breweries, and exciting new restaurants, this home truly offers the best of both comfort and convenience. Don’t miss your opportunity to make it yours!
Source: CRMLS #SW25134946
Neighborhood
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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.