797 Plum Ln Pomona, CA 91767
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About this home
Just a rock stone throw away from Claremont, with an assumable loan at a 3.5% interest rate, for qualified buyer(s), step into this beautifully maintained 3-bedroom, 4-bathroom townhome that blends modern design with everyday comfort. Built in 2018, this spacious and stylish home is perfect for families looking for flexibility, functionality, and room to grow. The first level features a versatile loft space—ideal as a home office, playroom, or second living room—alongside direct access to a private yard, perfect for entertaining, letting your small dog roam, or relaxing outdoors. Upstairs, the open-concept main living area is the heart of the home. The modern kitchen flows seamlessly into the dining and living areas, creating the perfect space for family time or entertaining guests. Just off the main living space is a private outdoor patio, offering even more room to unwind. On the top floor, the serene primary suite features an attached bathroom with dual sinks and a spacious walk-in closet. Two additional bedrooms and bathrooms provide privacy and comfort for the whole family. Energy-efficient leased solar panels help reduce your electricity bills, while central air and heat ensure year-round comfort. With clean, modern finishes throughout and a thoughtfully designed layout, this home checks every box. Don’t miss your chance to own this move-in-ready gem that’s as functional as it is beautiful!
Source: CRMLS #CV25149616
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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.