80688 Avenue Santa Carmen Indio, CA 92203
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About this home
Open House on Saturday 8/30 from 10 AM to 12 Noon. Welcome to this beautiful San Emilio model home, nestled in the premier, gated 55+ active community of Sun City Shadow Hills in the Coachella Valley. This home is perfect for those seeking a luxurious lifestyle with mountain views and an expansive outdoor space. Spacious pool area with a spa, built-in BBQ, and plenty of room for seating, ideal for entertaining friends and family. Stunning mountain views from the beautifully landscaped backyard with lighting to enhance your enjoyment. San Emilio floor plan offers 1,823 SQFT of open living space with 2 bedrooms, 2 baths, and a den/office located away from the bedrooms for added privacy. Gourmet kitchen with granite counters, large center island, pull-out shelves, pantry, and GE appliances including a double oven. Master suite with a walk-in closet and private access to the pool and spa. Lovely guest room with direct access to a full bath. Crown moldings in the great room, entry, and master suite; windows trimmed with wood moldings, plantation shutters, wood blinds, or Silhouettes. Energy-efficient with solar panels on the roof and a Nuvia Water Pro system. Oversized garage (546 SQFT) with epoxy flooring, room for 2 cars and a golf cart. The Sun City Shadow Hills community offers an active lifestyle with golf, tennis, and a large recreation center featuring numerous social activities and dining options. This home has been lovingly cared for and is ready for you to make it your own. Don't miss out on the chance to own this beautiful home in a fantastic community at an unbeatable rate!
Source: CRMLS #219129621DA
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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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