6094 Montgomery Ct San Jose, CA 95135
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About this home
Drastic Reduction on This FANTASTIC single level villa located in the prestigious Villages Golf & Country Club, (a gated 55+ community) located in the Evergreen Hills of Silicon Valley ***** This modern condo has new flooring, all new SS appliances, Double pane windows & sliding doors with Bali vertical shades ***** Walk up to a lush lawn and landscaping (taken care of by HOA) * thru gate to your inviting front courtyard ** Open the front door (with overhead sky light) to see right thru the spacious living-room, past the landscaped back patio to the natural and lush open space where you will see deer, bunnies and birds of all kinds *** Your kitchen has custom cabinetry with granite counter tops and a window over sink with view of front courtyard * Dining area is open enough for large gatherings & the vaulted ceiling living room has large walls for art & a fireplace for ambiance, slider to your cozy & private patio with large storage shed * Primary front bedroom opens to the front courtyard and has double closets with organizer * Enjoy the decorator bathroom with custom double vanity & mirrors plus shower over a deep soaking tub * Guest bedroom or "work from home office" has a slider opening to the sunny & relaxing patio. ***** HURRY - Price just reduced !!.
Source: CRMLS #ML82002292
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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.