554 Taylor St Vista, CA 92084
Your savings
About this home
Welcome to your private 2.43-acre equestrian Propertunity in the weather capital of the world, Vista, California—just a short drive to the beach with horse trails nearby, a year-round creek running through your land, & endless options to transform the existing property into your country oasis by adding chickens, goats, horses, RV parking, a pool, & more! The 4-bed, 2-bath 1880 sq. ft. main home features an updated open-concept kitchen & dining area with potential to open up to the living room, which boasts a beautiful brick-surround wood-burning fireplace, a den area ideal for use as an office or hobby room, & a spacious deck overlooking your land & kept private by the creek-fed treeline hiding your oasis from Taylor Street. Also on the property is an approximately 590 sq. ft. space with a nice bathroom & its own BBQ patio permitted as a workshop, but fit for much more! Room for everyone & all your toys, including your boat, RV, horse trailer, ATVs, work trucks & more--plenty of room to keep it all at home on nearly 2.5 expansive acres with mature trees & landscape! Existing horse improvements include corrals with rain shelters & a wash rack with lots of potential to add your own small barn, additional shelters, & maybe even a fenced area for training. 26 solar panels keep your energy costs low & Seller will pay off at closing with acceptable offer! No HOA & no Mello Roos mean the sky is the limit for what you can dream up with this incredible Propertunity in one of North County's most peaceful communities.
Source: CRMLS #NDP2509384
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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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