3553 Paseo De Francisco Unit 210 Unit 210 Oceanside, CA 92056
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About this home
Great opportunity with an assumable VA loan at a 2.25% interest rate! Welcome to one of the most updated homes in the sought-after Vista Way Village community—a gated hillside retreat less than 5 miles from the beach. This western-facing terrace-level unit captures refreshing ocean breezes and natural shade, keeping your home comfortable year-round. Inside, nearly every detail has been upgraded for style and convenience. The kitchen features Brazilian Aquarella quartz countertops (2022), updated cabinets, a breakfast bar, new Whirlpool appliances including a double-door refrigerator, quiet dishwasher, oven, and over-the-range microwave (2024), plus bright 2x4 LED skylight panel lighting. The bathrooms shine with a custom vanity, a Spanish tile floor, a new tub and surround with a lifetime warranty, marble and quartz counters, and modern LED lighting. The home also boasts newer Anderson Windows, high-traffic LVP flooring (2024), smart integration on all switches, LED lighting and ceiling fans throughout, and fresh paint. In-unit laundry hookups are included for your convenience. Enjoy a private balcony and a spacious lawn directly outside your door—perfect for relaxing outdoors or letting pets stretch their legs. A one-car garage plus an additional assigned space provide ample parking. Vista Way Village offers resort-style amenities: 2 pools, 2 Jacuzzis, BBQ areas, a clubhouse, fitness center, tennis/sports court, gazebos, children’s play area, and doggy stations throughout. The community is gated with security, providing residents with peace of mind alongside its many lifestyle perks.The location is unbeatable—close to I-5, Hwy 78, and 76, with shopping, dining, groceries, medical facilities, and the VA Clinic nearby. The Shoppes at Carlsbad and the new Frontwave Arena are just over a mile away. This is a rare opportunity to own a stylishly upgraded home in a vibrant, coastal community with every convenience at your doorstep.
Source: CRMLS #NDP2509954
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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.