3634 Whispering Creek Cir Stockton, CA 95219
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About this home
Discover an exceptional residence in one of Stockton’s premier gated communities, offering refined design and resort style amenities. At its heart, a private swimming pool creates a serene oasis for relaxation and entertaining. This exclusive gated enclave ensures security with controlled access, manicured grounds, and a strong community spirit. Located near upscale shopping, fine dining, and top rated schools, it delivers sophistication and convenience. The open floor plan flows with natural light, connecting over to the kitchen and great room featuring a fireplace. The primary suite is a tranquil retreat, complete with a large bathroom, dual vanities, soaking tub, and generous walk in closet. Additional well proportioned bedrooms provide flexibility for family, guests, or a home office. A dedicated laundry room, abundant storage, and attached garage enhance daily convenience. Outdoors, the pool and jacuzzi are framed by mature landscaping, ideal for outdoor dining or quiet mornings. The property balances seclusion with low maintenance appeal. If into gardening, there are a variety of fruit vegetation in the back such as: Pomegranate, Guava (2 types), Fig, Apples (4 types), Avocado, Lemon (3 types), Olives, Pluots, Plum, Persimmon, Grapes, Cherimoya, Asian Pear, and Cherries.
Source: CRMLS #41116417
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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.