675 Parker St Oceanside, CA 92057
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About this home
This inviting home is perfectly situated near Camp Pendleton and Highway 76, offering convenience without sacrificing peace and privacy. With vaulted ceilings and laminate wood floors, the interior is bright, airy, and full of natural light, creating a warm and welcoming atmosphere throughout. The kitchen flows seamlessly into the dining area, ideal for entertaining or casual family meals. A permitted patio room, currently used as a family room, opens to a private backyard retreat featuring a concrete pad and panoramic hill views — perfect for relaxing, gardening, or enjoying outdoor gatherings. The master suite is complete with a walk-in closet and a full bathroom, while two additional bedrooms and a guest bathroom provide ample space for family or guests. The backyard is fully fenced and includes a gated access to the gently sloping rear portion of the lot, offering usable land and added privacy. This manufactured home sits on a permanent foundation with a 433A certificate and is being sold with the land. There is no HOA, and the property is not located in a mobile home park. With its combination of thoughtful updates, functional layout, and rare availability in this desirable neighborhood, this home is a true gem — don’t miss your chance to make it yours!
Source: CRMLS #NDP2509772
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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.