61581 Granada Dr Joshua Tree, CA 92252
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About this home
Panoramic views! Beautiful 3 bed 2 bath home in the sought after hillside section of the JT village, plus a large detached garage and fenced backyard on almost a quarter acre corner lot. Front door opens to the living room with vaulted ceilings and over sized bay window. Kitchen features a breakfast bar, stainless steel refrigerator, stove and dishwasher, long counters and ample cupboards. Master bedroom with private bath and walk in closet. Two other large bedrooms are located at the other end of the living room. Enclosed backyard offers privacy and wonderful open sky views. The detached two car garage is conveniently located at directly off the paved road. With this central location you are a short bike ride and drive to organic food, cafes, restaurants, boutiques and some of the nicest outdoor trails in the country. Nearby Sportsman Park offers tennis courts, basketball courts, baseball diamond, playground, dog park and shaded picnic tables. Just under 5 miles to the Joshua Tree National Monument where about 3 million tourists visit annually. 40 miles to Palm Springs. 128 miles to Los Angeles. This would be a wonderful full time residence, investment, and rental. Don't wait on this one - schedule a viewing today!
Source: CRMLS #219133678PS
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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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