643 Old Course Ct Valley Springs, CA 95252
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About this home
Price Improvement now $635,000! Golfers' Dream Home with Stunning Views! Experience the perfect blend of charm and luxury in this 3 bedroom, 2.5 bath home, built in 1989 and thoughtfully updated. Inside, you'll find vaulted ceilings, new laminate flooring, a pellet stove, central vacuum, a dedicated wine room to store all your favorite wine, and remote controlled blinds in the living room, plus generous storage space throughout the home. The primary suite offers a private balcony, a deluxe master bath with your very own sauna to relax in. The chef's kitchen has freshly painted cabinets, granite countertops, double ventilation fans, LG refrigerator and dishwasher, Bosch cooktop and oven, a walk in pantry, and Spanish tile flooring. Upstairs, a versatile loft awaits perfect for a home office, game room, or cozy retreat. Feel free to relax or host gatherings on the wraparound porch with sweeping views on the 15th fairway of La Contenta Golf Course and take in the breathtaking sunsets. Enjoy the ease of owned solar panels and beautifully updated, low maintenance landscaping in both the front and backyard. Situated on a 13,939 st ft lot and just minutes away from New Hogan Lake and hiking trails this peaceful retreat combines golf course leaving with serene natural beauty!
Source: CRMLS #41108008
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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.