401 Cibola St Needles, CA 92363
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About this home
Move-In Ready River-Close Retreat in Needles! Welcome to 401 Cibola, a beautifully remodeled two-story home that blends comfort, convenience, and adventure. With 3 bedrooms, 2 full bathrooms, and spacious living areas, this property is designed for everyday living and seasonal getaways alike. Step inside to a light-filled living room featuring a cozy fireplace and a versatile bonus space perfect for a home office, reading nook, or conversation area. The dedicated dining room is ideal for hosting gatherings, while the convenient downstairs bedroom and full bath offer flexible living options for guests or multi-generational households. Upstairs, two additional bedrooms and another full bath provide plenty of space and privacy. Fresh interior and exterior paint and new laminate flooring make this home truly turnkey and move-in ready. This beautiful home also has a basement and an attic space for storage. Outside, the property shines with ample parking, including a large carport and room for RV or boat storage. A fully fenced rear yard offers privacy and space for entertaining, pets, or relaxing after a day of desert or river fun. Located in the welcoming community of Needles, CA, this home is just minutes from the Colorado River launch ramps for boating, fishing, and water sports, as well as the nearby desert trails for off-road adventures. Convenient freeway access to Interstate 40 makes travel a breeze, whether youre heading to Lake Havasu, Bullhead City, Laughlin, or even Las Vegas. Beautifully updated, perfectly located, and ready for new memories 401 Cibola is a home you wont want to miss!
Source: SANDIEGO #PW25214279
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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.