46320 Oonay Nation Rd Coarsegold, CA 93614
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About this home
Exceptional Investment Opportunity – Upgraded Property with Guest House, Shop & Acreage Beautifully upgraded property featuring 4 bedrooms and 4.5 bathrooms in the main home, plus a private master suite in the guest house/in-law suite. Additional spaces include a dedicated office, bonus room, and game room—all convertible to bedrooms—offering up to 7 bedrooms total. Ideal for multi-generational living, rental income, or flexible use. Bay windows in five rooms provide natural light and charm. Expansive living and family rooms open to the patio for seamless indoor-outdoor entertainment. The newly renovated kitchen includes stainless steel appliances, quartz countertops, a café nook, and a butler’s pantry with a built-in laundry area. Bathrooms are spa-inspired with marble finishes, walk-in showers, and a spa tub in the primary suite. The primary bedroom also features a large walk-in closet with bonus washer/dryer hookups. The guest house/in-law suite includes a private master suite, full kitchen, and its own laundry room—perfect for extended family or rental potential. A large shop adds value for storage, a workshop, or home business. Set on just under 3 usable acres, the property is ideal for livestock, gardening, or future expansion. Owned solar systems on both the main home and guest house offer energy efficiency and long-term savings. Key Features: ? 4 Bedrooms | 4.5 Bathrooms | Office | Bonus Room | Game Room ? Guest House/In-Law Suite with Kitchen & Laundry Room ? Bay Windows in 5 Rooms ? Large Shop – Storage, Workshop, or Business Use ? Quartz Counters | Stainless Steel Appliances | Butler’s Pantry with Laundry ? Spa-Inspired Bathrooms | Marble Finishes ? Multiple Laundry Areas: Main Home, Butler’s Pantry & Guest House ? Owned Solar on Home & Guest House ? Nearly 3 Acres – Usable Land for Livestock or Expansion ? Income Potential | Multi-Generational Living | Home Business Ready
Source: CRMLS #FR25170215
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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.
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