6686 Mojave Ave Twentynine Palms, CA 92277
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About this home
Centrally located in the Smoke Tree area of 29 Palms, this inviting 2 bedroom, 2 bath home offers comfort, charm, and convenience with thoughtful updates and plenty of space to enjoy desert living. The property is fully fenced and features a paved driveway with a large shade tree welcoming you home. Inside, the spacious living room features wood-look flooring, modern light fixtures, and a cozy wood stove set on a rustic hearth designed to resemble natural stone. Large windows and a sliding glass door fill the space with light and provide easy access to the backyard. The layout flows into the dining area and updated kitchen, which includes tile floors, a tile backsplash, a gas stove, dishwasher, and a breakfast bar for casual dining. The primary bedroom is comfortably sized with its own sliding glass doors to the backyard and an attached bath with a tub/shower combo. The second bedroom also offers a sliding glass door for direct outdoor access, making both rooms bright and airy. The guest bath features a walk-in shower with glass doors. Additional highlights include indoor laundry hookups and a spacious backyard, offering plenty of room to relax or entertain under the desert sky. Located just minutes from the entrance to Joshua Tree National Park, with its convenient location, updated interior, and inviting layout, this home is a great opportunity in a desirable part of 29 Palms.
Source: CRMLS #JT25249468
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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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