39685 Almansa Ct Murrieta, CA 92562
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About this home
Rare single story home in low tax area! Interest rate Lender buydown at no cost for first year savings! Tucked on a quiet cul-de-sac in one of Murrieta’s lowest-tax areas, this single-story corner-lot home has been positioned for comfort, efficiency, and easy everyday living. The open layout welcomes you with vaulted ceilings and a cozy fireplace that anchors the living space. Hardwood floors flow seamlessly through the living spaces, adding both charm and practicality. Natural light filters through plantation shutters, creating a warm, inviting atmosphere that adapts beautifully from morning to evening. The remodeled kitchen shines with quartz counters, stainless-steel appliances, custom tile flooring, and an island that makes cooking and gathering effortless. Step outside to discover a peaceful, private backyard framed by mature landscaping and tall block walls. Relax in the spa, enjoy the covered patio, or tend your raised garden boxes—your own little oasis in the heart of Murrieta. Recent upgrades include leased solar for energy savings, R38 attic insulation for improved efficiency, a 2023 roof inspection with all corrections completed, an HVAC tune-up with thermostat rewiring, a Nuvia Signature water softener, smart-lock entry, and perimeter cameras for added peace of mind. With no HOA, low property taxes, and convenient access to the new Murrieta Costco, Super Target, great schools, freeways, and walking trails, this home offers a perfect blend of privacy, practicality, and value—ready for its next chapter.
Source: CRMLS #PTP2507680
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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.