74697 Baseline Rd Twentynine Palms, CA 92277
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About this home
Amazing Deal! Located on over 1/2 an Acre, on a corner lot with a Detached Casita that is equipped with electric! This fantastic Home has a New Roof, New Dual Pane Vinyl Windows, Mini-Split Air Conditioning Units and More! Perfectly located near the East Entrance to the Joshua Tree National Park! A shaded, charming Patio welcomes all that enter. Beyond the frosted full-light French Door you will be delighted to find a sizable Livingroom with expansive view windows. The interior has been updated in cool tones throughout. New flooring has been installed. Its official fancy name is Vatican Travertine Stone-look Life-proof/Waterproof Vinyl Tile and it was specially chosen for its durable qualities and aesthetics. The windows have been upgraded with dual-pane vinyl windows, which is a huge bonus and energy saver! Mini-split Air Conditioning/Heat Pumps have been installed in the Livingroom and both Bedrooms for year-round comfort! Attractive sliding barn door offers separation from the Kitchen area and allows for zoned cooling and heating options. Granite countertops adorn the Kitchen, which offers more storage in the adjacent Laundry Room. Indoor Laundry is always a plus in the Desert! A convenient door leading to a covered carport is a bonus for unloading your car after shopping. The Bathroom has been updated in marble-look tile and backsplash surrounding the vanity. The bathroom is partitioned for privacy and convenience. Both Bedrooms offer ample space. The rear Bedroom has a huge walk-in closet with plenty of natural light. The rear Bedroom also offers a private entry onto a large, fully enclosed, screened patio at the rear of the home. Everyone loves a screened patio hang out! Behind the home is a detached stucco casita that is currently being used for storage but think of all of the possibilities for your own use! Make this your very own art studio, Yoga room, craft haven or workshop! Perfectly located only 3.2 miles to the Entrance Gate to the National Park, and only 1.2 miles to the Tortoise Rock Casino. If you have school-aged children, Palm Vista Elementary School is within walking distance, making it convenient in location. With so many bonuses, do not hesitate to call your Agent today!
Source: SANDIEGO #JT25133573
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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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