4634 Silent Knoll Dr Fallbrook, CA 92028
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About this home
1% Interest Rate Buy Down! Modern Multi-Gen Home with Views, Solar & Seamless Indoor-Outdoor Living Experience the perfect blend of comfort, style, and savings in this stunning move in ready home — complete with a 1% interest rate buy down to help lower your monthly payment. Only 4 years old, this home combines efficiency and elegance in one beautifully maintained package. Step inside to an open-concept layout that flows effortlessly from the sleek, updated kitchen to the spacious living area and out through expansive sliding glass doors to a fully landscaped backyard. Enjoy San Diego’s year-round sunshine with covered patios, lush gardens, and a tranquil outdoor lounge designed for relaxation and entertaining — all framed by breathtaking scenic views. The sought-after Multi-Gen Suite offers flexibility for extended family, guests, or a private office, making this home adaptable to your lifestyle. Featuring new vinyl plank flooring, solar panels, and smart home features, this property is as functional as it is beautiful — move-in ready with modern amenities that enhance both comfort and efficiency. Located in a thriving neighborhood known for its strong sense of community and easy access to parks, schools, and coastal attractions, this home offers the best of San Diego living — inside and out.
Source: CRMLS #NDP2508673
Loan details
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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.