81916 Avenida Del Toro Indio, CA 92203
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About this home
Welcome to this charming Canterra floor plan offering 1,257 sq. ft. of comfortable living space, ideally situated on a desirable corner lot in Sun City Shadow Hills. The inviting great room features tile flooring, two large windows, and a sliding glass door that fills the space with natura light and provides easy access to the backyard. The kitchen showcases sleek stainless-steel appliances, granite countertops, and abundant cabinetry with room for a cozy breakfast nook. A separate laundry room adds everyday convenience. The primary suite offers carpet flooring, a large picture window overlooking the backyard, a walk-in closet, and an en suite bathroom with dual vanities and a shower stall equipped with grab bars. The guest bedroom is located near a full bath with a shower-over-tub combination perfect for visitors. Step outside to enjoy a spaciousbackyard featuring a covered patio, firepit, extended concrete area ideal for outdoor seating, and a grassy section with a mature tree creating a relaxing retreat for entertaining or unwinding. Sun City Shadow Hills is an active 55+ community offering resort-style amenities, including two clubhouses, championship golf courses, fitness centers, pools and spas, pickleball and tennis courts, and a variety of social clubs and activities designed for every interest. Enjoy the perfect blend of recreation, relaxation, and connection in this vibrant desert community. Don't miss the opportunity to make this inviting Canterra yours!
Source: CRMLS #219136644DA
Neighborhood
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Close stress-free in 45 days, handled start to finish by Roam.
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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.