3621 Halbrite Ave Long Beach, CA 90808
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About this home
Must see! This very spacious 2-story home has 5 bedrooms, 3-1/2 baths, a bonus room/office and 2 separate AC/heating systems (downstairs and upstairs) along with 2 Primary bedrooms. It has a tankless water heater and copper plumbing. There are upgraded building materials including 3/4 inch solid exotic Kempas wood flooring, custom wood-built library bookshelves, upstairs Primary bath cabinetry and kitchen custom cabinetry. All windows are Milgard vinyl framed with wood window sills. The kitchen has granite counters with porcelain tile flooring, built in refrigerator, built in stove/range and a walk-in pantry. All interior doors are solid fir with 4 panels and Baldwin solid, oil-rubbed bronze door knobs. The upstairs Primary bedroom has vaulted ceilings, dual walk-in closets and a library (with fireplace). The upstairs Primary bathroom has Travertine stone, a double sink with granite countertops and an open shower with double shower heads. There is a large private balcony with Terracotta tile connected to the Primary bedroom. The downstairs bathrooms have ceramic tile. Two of the downstairs bedrooms have walk-in closets. The spacious backyard (7,884 Sq Ft) is perfect for entertaining and has a gate with direct access to the bike trail, which is a 6-mile ride to Seal Beach. Backyard trees include: lemon, apple, avocado, apricot and orange as well as an artichoke bush. Additionally, there is a large shed with barn doors. The home is located within the ABC school district with access to Whitney High School and is close to parks and shopping.
Source: CRMLS #PW25239733
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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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