8749 Holly Ave California City, CA 93505
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About this home
Move-In Ready | Built in 2022 | USDA $0 Down Payment Eligible Welcome to 8749 Holly Ave, located in the growing community of California City. This modern 4-bedroom, 2-bathroom home was built in 2022 and still feels like new. The thoughtful floor plan offers privacy and comfort, featuring a primary bedroom secluded on one side of the home with no shared bedroom walls a perfect retreat after a long day. Step inside to an open-concept living area with plenty of natural light and a kitchen designed for everyday convenience and entertaining. This home is truly move-in ready just unpack and enjoy. Highlights You'll Appreciate: 4 Bedrooms / 2 Bathrooms Built in 2022 Like-New Condition Private Primary Suite with Bedroom Separation Spacious Open Layout Eligible for USDA $0 Down Financing (for qualified buyers)Outside, the generous lot offers room to design your perfect outdoor space whether it's a garden, patio setup, or play area. Local Lifestyle & Area Perks:Enjoy nearby dining options, local cafes, and family-owned restaurants just minutes away. The California City Municipal Golf Course is close by ideal for weekend rounds in the desert sunshine. For those connected with aviation, government work, or military service, the home is conveniently located approximately 2530 minutes (about 20 miles) from Edwards Air Force Base, making your commute simple and efficient.Whether you love wide-open desert views, outdoor activities, golfing, or simply the peace of a quiet community, this home puts it all within reach.This is a rare opportunity to own a newer home with the potential for zero down payment. Schedule your private tour today your new beginning starts here!
Source: CRMLS #25616081
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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.