728 Navito Way Oxnard, CA 93030
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About this home
Rarely Available & Highly Desirable Floorplan!Welcome to this beautifully upgraded and meticulously maintained home offering nearly 2,400 sq. ft. of comfortable living space in a highly sought-after neighborhood. This spacious 4-bedroom, 3.5-bathroom residence features high ceilings, a versatile floorplan, and tasteful upgrades throughout.Step into an inviting living area with bamboo wood and tile flooring, ceiling fans in most rooms, and a thoughtfully updated kitchen showcasing granite countertops, a large center island, and soft-close maple cabinetry. Ideal for multigenerational living or guests, the home includes a downstairs bedroom with an adjacent 3/4 bathroom.Upstairs, you'll find three additional bedrooms plus a generously sized bonus room--perfect for a home office, playroom, or potential 5th bedroom. Enjoy energy efficiency with a solar power system and low-maintenance landscaping with artificial grass in both the front and backyard.Located near St. John's Hospital, top-rated schools, convenient shopping, and The Collection at River Park, this move-in ready home combines comfort, style, and convenience.Don't miss this rare opportunity . . . schedule your tour today or attend our open house!
Source: CRMLS #V1-32824
Loan details
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Close stress-free in 45 days, handled start to finish by Roam.
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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.