5222 Mount Alifan Dr San Diego, CA 92111
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About this home
Welcome to 5222 Mt Alifan Dr, a stunning west-facing end-unit townhome in the highly desirable Pacific Bluffs community of Clairemont. This turnkey home combines modern upgrades, functional design, and an unbeatable central San Diego location. With a 2-car garage, sunset views, and a VA assumable loan at 4.5% ($739,360 balance) — this is an opportunity you don’t want to miss! Step inside to a light-filled open floor plan that lives like a detached home. The spacious living and dining areas are perfect for entertaining or relaxing, flowing seamlessly to your private patio with mature landscaping and a lemon tree — ideal for morning coffee or evening BBQs. The remodeled kitchen is the centerpiece featuring granite countertops, subway tile backsplash, stainless steel appliances, solid wood shaker cabinetry with soft-close drawers, 10 pullouts in lower cabinets, a built-in spice rack, and a pantry for extra storage. Throughout the home, you’ll find new flooring, dual-pane windows, recessed LED lighting, and three sliding glass doors bringing in an abundance of natural light. Additional features include updated bathrooms, two-tone designer paint, ceiling fans, skylights, and a full-size in-unit stackable washer/dryer. The tankless water heater and newer HVAC ensure energy efficiency and comfort year-round. Upstairs, the spacious primary suite opens to a private balcony with tree-lined views and breathtaking San Diego sunsets — the perfect place to unwind at the end of the day. The 2-car garage is a rare find in Pacific Bluffs, offering secure parking and generous storage Community Amenities: Enjoy resort-style living in the Pacific Bluffs community, which features an Olympic-sized lap pool, kiddie pool, basketball & pickleball courts, shuffleboard, game room, gym, clubhouse, library, playground, BBQ and picnic areas, and ample guest parking. HOA dues also include cable, internet, and trash service — a great added value! This property is part of a PUD (Planned Unit Development), you own the land and it finances like a single-family home.
Source: CRMLS #NDP2510389
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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.