3520 Paseo De Los Americanos Unit 102 Unit 102 Oceanside, CA 92056
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About this home
WHAT YOU WILL LOVE ABOUT THE HOUSE: 1) AMAZING VIEW FROM PRIVATE BALCONY and LOCATED RIGHT BY THE MAIN POOL. 2) TOP FLOOR MEANS YOU WONT HEAR ANYBODYS FOOTSTEPS ABOVE YOU - YOUUUU ARE THE TOP. YEAH. WINNING. 3) MASTER BEDROOM HAS AN AMAZING VIEW AS WELL. Vista Way Village – Community & Area Highlights Vista Way Village offers a prime Oceanside location just off the 78 freeway and less than ten minutes from the beach and Oceanside Pier. The community is close to MiraCosta College, shopping centers, dining options, and everyday conveniences, with easy commuter access to both the I-5 and 78 freeways. This gated community provides a resort-style lifestyle with two pools and spas, a fitness center, tennis and pickleball courts, a clubhouse, and a playground. The grounds are beautifully landscaped with mature trees and walking areas, creating a welcoming and relaxing environment. Vista Way Village is also VA and FHA approved, making it an attractive option for both first-time buyers and investors. Located in Rancho Del Oro, this neighborhood is highly desirable for its proximity to schools, parks, and the coastal lifestyle. Unit Features: Your new home is two bedrooms and two bathrooms with an AMAZING view from the third floor. This home includes a private balcony, in-unit laundry, and garage parking with additional assigned spaces.
Source: CRMLS #SW25231981
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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.
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