8530 Snow White Dr El Cajon, CA 92021
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About this home
Beautifully maintained 3BR/2BA, 1,382 sq ft home on Snow White Dr. Move-in ready & full of charm! Most major components have been replaced within the last few years. Solar system w/battery, providing lower, predictable energy costs & they take care of the maintenance. Spacious open-concept great room with upgraded kitchen and baths, quality finishes throughout, and a low-maintenance private yard. Not a flip, just a thoughtfully cared-for home with timeless appeal. Come see why this one’s “the fairest of them all!” (See Supplement) Living/Dining Removed pony wall to give open concept 2024 Kitchen Complete kitchen remodel with custom cabinets and a 30 in deep pantry with pull out drawers. Pushed out 9 inches to make kitchen wider. 2024 Electrical New breaker box -2024 Solar 2023 Plumbing New hot water heater - 2025 Fixed water pressure regulator in front yard -2025 New super sized washer/dryer (included in purchase) - 2025 Heating/Cooling New furnace-2025 All new duct work -2025 Re-routed A/C condensation pipe to sump pump under house. Humidity fans installed in crawlspace- 2022 New sump pump - 2024 Master Bedroom Installed Bathroom door - 2022 Complete Bathroom remodel- 2022/2023 Floors New laminate flooring for entire house - 2025 Backyard Installed turf - Tuff Turtle Turf - 2024 French drain Installed
Source: CRMLS #250042951SD
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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.