7614 Calpella Ave Hesperia, CA 92345
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About this home
Your Own Private Oasis: Far Removed From Stress, Yet Close To What Matters. This home effortlessly combines your many lifestyles from your private home life, extended family and friends entertaining life to your outdoor oasis indulging life. With the blend of this 3,535 sq ft home and a wonderfully laid out backyard oasis in the coveted area of Hesperia Lake, this home keeps on delivering. From the sweeping staircase to the large family room, game room and the spaciously sized kitchen with an island and granite countertops, this home delivers elegance, privacy and a bit of entertaining all at the same time. With 4-bedrooms (one bedroom on the main floor), 3-baths and a 3-car garage, it has you covered. Lets not forget to mention the formal living room, dining room, breakfast room, walk-in pantry, laundry room, and RV parking with power, water and clean-out station behind a gate along with many other amenities. But lets get back to the all-summer long vacation spot right in your backyard that includes a party size two story high covered patio, gazebo, fire pit, low maintenance landscaping and the very large swimming pool that you just cant miss for endless summer fun. And at the end of a full day of BBQing and swimming, you can enjoy your favorite drink with love ones on the patio, balcony or at the fire pit. What a way to spend your day all at home. ***VA buyers. This home has an assumable VA loan at 2.375%.***
Source: SANDIEGO #CV25115494
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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.