8659 Cordial Rd El Cajon, CA 92021
Your savings
About this home
Stunning 4-Bedroom Home with Mountain Views and Direct Trail Access Welcome to this exceptional 4-bedroom, 2-bathroom home located on a quiet street in a desirable and well-maintained community. Backing directly to scenic mountain views, this home offers immediate access to hiking trails—nature is truly right outside your backdoor. Step inside to discover a bright and airy two-story layout, filled with natural light and featuring vaulted ceilings in the living room for an open, inviting feel. The spacious kitchen is thoughtfully designed with newer appliances and ample storage, making it perfect for everyday living and entertaining. Two generously sized bedrooms and a full bathroom are conveniently located on the main floor, offering flexibility for guests, home office, or multi-generational living. Additional highlights include central air conditioning, a two-car garage, and a fenced RV parking area—plus space for up to four vehicles in the driveway, ideal for your recreational toys, boat, or trailer. The backyard is perfect for entertaining, with plenty of room for outdoor dining and future additions such as a pool or an ADU (Accessory Dwelling Unit). Conveniently situated near shopping, dining, and with easy freeway access, this home blends comfort, convenience, and outdoor lifestyle. Move-in ready with room to personalize and make it your own—this is a rare opportunity you won’t want to miss.
Source: CRMLS #250037869SD
Loan details
Neighborhood
45-day close guarantee
Close stress-free in 45 days, handled start to finish by Roam.
Roam Price Match
If you find a better price on any home, we’ll match it.
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.