80790 Cam San Lucas Indio, CA 92203
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About this home
Welcome to this stunning San Miguel floor plan, beautifully finished and situated on a quiet corner privacy lot in the coveted gated community of Sun City Shadow Hills. This gem features a private pool, spa with waterfall feature, and built-in BBQ island and serving bar -- the perfect setting for year-round desert living. This 2,569 SF home with two private suites feels elegant and has been exceptionally maintained. Inside, elegant tile and plush carpet pair with custom window coverings, designer accent walls, and soaring ceilings with recessed lights and ceiling fans to create a warm, inviting atmosphere. The open layout offers multiple spaces for both entertaining and everyday living, including a formal dining area, spacious family room, and a versatile den with double door entry. This spacious kitchen has granite countertops, a center island, and two ovens perfect for entertaining. The primary suite offers patio access, dual vanities, an oval soaking tub, a glass-enclosed shower, and an oversized walk-in closet. The second suite features its own private entrance and full bath, providing comfort and privacy for guests. Additional features include a two-car plus golf cart garage, spacious laundry room with ample storage, and a newer A/C. Residents of Sun City Shadow Hills enjoy resort-style amenities including two clubhouses with fitness centers, pools, tennis, pickleball, bocce, golf courses, walking trails, on-site dining, and over 60 social clubs. With 24-hour gated security and a vibrant calendar of activities, it's the perfect place to stay active and connected year-round.
Source: CRMLS #219133820DA
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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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