761 Stickney Way Oakley, CA 94561
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About this home
Did you say OWNED SOLAR and NO HOA? Yes, I DID! Welcome home to this beautiful, bright and well-designed floorplan by Brookfield Residential! A wide, elegant entry way and breathtaking, sky-high ceilings greet you as you walk through the front door. Chef's kitchen with Whirlpool stainless appliances, Family-Hub Refrigerator, gorgeous slab granite countertops and gourmet island with not one, but TWO pantries make meal prep a joy! Multigenerational suite downstairs. Master suite boasts a massive walk-in closet, spa-like bathroom with double sinks, expansive mirrors, deep oval soaking tub, separate glass-enclosed shower with integrated bench seating! Enjoy your cozy fireplace on chilly days and your huge loft for memorable movie and game nights! Luxury vinyl plank flooring and carpeted bedrooms allow for an upscale, yet inviting, appeal. The California Room upgrade in your spacious backyard allows you to entertain and relax in your personal oasis. Landscaped, low-maintenance front yard completes the perfect package! Neighborhood lakes, baseball diamonds, basketball courts, picnic areas and playgrounds. VETERANS - Don't miss your chance to assume this 2.75% VA interest rate! Close to schools, shopping, restaurants, and highways for easy commuting
Source: CRMLS #41116038
Loan details
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Close stress-free in 45 days, handled start to finish by Roam.
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If you find a better price on any home, we’ll match it.
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.