3660 Vista Campana N Unit 23 Unit 23 Oceanside, CA 92057
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About this home
Beautifully Updated Home in Sought-After 55+ Community Oceana Welcome to one of the most desirable units in this well-maintained 55+ community! This charming 2-bedroom, 1-bathroom home has been thoughtfully updated with brand-new flooring, fresh interior paint, and modern finishes throughout. The remodeled bathroom features a walk-in tub and new vanity, offering both comfort and style. Enjoy an open floor plan that feels larger than the listed square footage, plus an enclosed patio/sunroom, laundry closet, and additional storage space—perfect for relaxed, low-maintenance living. The kitchen is equipped with sleek stainless steel appliances, making meal prep a joy. Conveniently located near shopping, golf, the beach, and harbor, this home offers the best of coastal living. The community itself boasts a range of amenities designed for active adults, making it easy to enjoy every day to the fullest. Don’t miss this rare opportunity to own one of the nicest homes in the complex. About the Community- Located along scenic State Route 76 and next to the historic Emerald Isle Golf Course (made famous by Jack Benny’s 1966 ribbon-cutting), Oceana offers a truly active, pet-friendly lifestyle. Residents enjoy indoor and outdoor activities ranging from swimming, pickleball, and scenic walking trails to art classes, social gatherings, and events featured in the community’s own Hilltop Highlights newsletter.
Source: CRMLS #250038054SD
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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.