59660 La Cima Ln Anza, CA 92539
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About this home
JUST FELL OUT OF ESCROW. FHA APPRAISAL IS ABOVE ASKING PRICE. Embrace the tranquility of this renovated gem, perfect for buyers seeking space and modern comforts. Newly renovated with a touch of rural character, this home offers a detached fifth bedroom or office, stunning new kitchen, a luxurious new master bath, sleek new flooring, fresh paint, laundry room, upgraded windows, with parking and storage galore. Welcome to your renovated dream country desert retreat! Discover modern living and rural charm with 4 bedrooms and an optional 5th/office. Step into a brand-new kitchen, boasting sleek new appliances and a layout designed for culinary adventures. The beautiful new master bath invites relaxation with its contemporary updates, and the new flooring and fresh paint throughout the house create a move-in-ready environment. Set on a gated, irrigated, and generous 2.15-acre lot, this property provides an idyllic, flat landscape ensuring privacy and outdoor activities. Enjoy the tranquility of country life with mountain views in a quiet area. The amenities continue with a 2 car attached garage, expansive two-story barn, greenhouse, animal pens, and large patio spaces in front and back are ideal for entertaining. Comes with an interior laundry room and oversized great room. Just a third of a mile off the paved road, offering easy access without sacrificing the solitude of country living. Own a slice of country life and natural beauty.
Source: CRMLS #250022336SD
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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.