7901 Rhine Dr Huntington Beach, CA 92647
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About this home
Want space for a big garden or stacks of entertaining? This large corner lot offers sunny space for an orchard, vegetable garden or an expansive entertaining area. There are already two avocado trees and a lemon tree to start off an orchard or garden. In addition, you have a separate area with pet friendly artificial turf to use as a pet area or a children’s play area, while the inviting, black-bottomed pool offers exercise or a place to relax or catch some sun. The single-level four bedroom house receives ocean breezes due to the west facing backyard, however year round comfort is ensured by AC and ceiling fans in three of the bedrooms, the living room and the dining room. The living room has a gas fireplace while a large skylight, replaced during a complete roof replacement in 2024, pours light into the living space. Major system upgrades completed in 2025 consisted of replacing the HVAC ducting and installing a brand new electrical panel. The garage door was replaced in 2023. The interior flooring is vinyl, and the interior has been freshly painted. One bedroom overlooks the pool and can be set up as an office. The main bedroom has an abundance of storage space provided by an extra-large walk-in, cedar-lined closet plus a waist-high built in wall to wall unit with drawers and storage space. One bathroom has a walk in shower, and the other has a bathtub and shower. Ceilings throughout have been scraped and the already bright kitchen enhanced by recessed lighting. The attached two-car garage space includes a separate laundry area. The house orientation is ideal for future solar panel installation and an additional option for buyers is to use the pool area to build an ADU. The location offers good access to shopping, restaurants, freeway, schools and the beach.
Source: CRMLS #OC25240959
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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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