36045 Glasgow St Winchester, CA 92596
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About this home
4 Bed + Downstairs Office / Full-Bath!! Welcome to your dream home in the heart of French Valley! Tucked away in a peaceful cul-de-sac, this beautifully maintained 4-bedroom, 3-bathroom home offers 2,644 square feet of thoughtfully designed living spacewith a full downstairs bathroom and a versatile office/optional 5th bedroom featuring elegant double doors. Built in 2002 and in excellent condition, this residence blends timeless charm with modern functionality. The spacious floor plan flows seamlessly from the formal living and dining areas into the open-concept kitchen and family room, perfect for entertaining or everyday living. The gourmet kitchen is a chefs dream, featuring granite countertops, premium appliances, and plenty of cabinetry for all your storage needs. Upstairs, unwind in the expansive primary suite, complete with a spa-like ensuite bathroom, dual sinks, soaking tub, separate shower, and a generous walk-in closet. Secondary bedrooms are well-sized and share a full hallway bath. Step outside into your private backyard retreatfully landscaped and ideal for BBQs, gatherings, or simply soaking in the California sunshine. Additional highlights include: Low HOA and low property taxesmore value, less overhead, Close to top-rated schools, shopping centers, dining, and the brand-new EOS Fitness, Built in 2002 with great care and recently updated for modern living. Don't miss the chance to call this spacious, move-in ready home your own. Homes like this in French Valley don't last longschedule your private showing today!
Source: SANDIEGO #SW25163478
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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.