34885 Heartland Ln Murrieta, CA 92563
Your savings
About this home
This beautifully designed home offers the perfect balance of modern style, comfort, and energy efficiency. Boasting 4 spacious bedrooms, 3 full bathrooms, and a 3-car attached garage + Solar provides an ideal layout for families, multi-generational living, or remote work flexibility - a master-planned community located in the French Valley in Spenser's Crossing. The open-concept floor plan showcases expansive living spaces with abundant natural light, luxury finishes, and large sliding glass doors that seamlessly blend indoor and outdoor living. The gourmet kitchen opens into the main living area, making it perfect for entertaining or casual family dinners. Step outside to a covered California patio, ideal for relaxing or hosting gatherings under the sun. This energy-efficient home also includes fully paid solar panels, offering long-term savings and sustainability. Enjoy exclusive access to Spencer’s Crossing’s resort-style community amenities, including: Multiple swimming pools and spa, Clubhouse and BBQ areas, Community parks and tot lots, Scenic walking, hiking, and biking trails, Sports courts and dog-friendly areas. Located minutes from top-rated schools, shopping, dining, and freeways, this home offers modern California living at its best.
Source: CRMLS #PTP2508279
Loan details
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.