40312 Raymer Rd Hemet, CA 92544
Your savings
About this home
Welcome to your own private retreat—this charming ranch-style pool home sits on a spacious lot with sweeping views of the San Jacinto Valley and surrounding mountains. Freshly updated inside and out, the property features new dual-pane windows, new carpet, fresh interior and exterior paint, and a new electric front gate for added convenience and security. Step inside through a covered arched patio and into a warm, inviting living area complete with a wood-burning fireplace, perfect for cozy evenings. The kitchen opens seamlessly to a spacious family room where you can entertain guests or relax while overlooking the sparkling in-ground pool and scenic backyard. The kitchen comes equipped with stainless steel appliances, under-cabinet lighting, and ample counter space. The primary suite features French doors, a walk-in closet, and a private bath. Two additional bedrooms offer comfort and natural light. Outside, you’ll find an expansive backyard with mature shade and fruit trees, plenty of room for gatherings, gardening, or even a future small horse setup or additional structure. The newly added backyard patio enhances outdoor living, while the two-car garage delivers abundant storage and workspace. A detached front office provides versatile options for work, hobbies. Nestled at the end of a peaceful cul-de-sac, this home offers a sense of country living while still being just minutes from Diamond Valley Lake, Valley-Wide Park, and local amenities. Move-in ready and full of charm—don’t miss your chance to own this beautiful, upgraded ranch home! Home has been virtually staged to show potential.
Source: CRMLS #SW25244099
Loan details
Neighborhood
45-day close guarantee
Close stress-free in 45 days, handled start to finish by Roam.
Roam Price Match
If you find a better price on any home, we’ll match it.
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.