954 Taylor Ln Fillmore, CA 93015
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About this home
Welcome to this spacious and highly desirable two-story residence located on a quiet street in the peaceful Hometown community of Fillmore. Built in 2002, this home offers a perfect blend of modern living and classic small-town charm, ideal for growing families.Key features include:- 4 Bedrooms / 3 Bathrooms- Approximately 2,114 Sq. Ft. of living area- Bright and flexible floor plan for a comfortable family lifestyle- Large formal spaces, including a sun-drenched formal living room- Spacious kitchen and family room combinationEnjoy the quiet, family-friendly neighborhood with an easy walk to Mountain Vista School (K-5). The home is also conveniently located near local parks, biking/walking trails, and offers picturesque views of the Sespe Mountains. Additional highlights:- Attached 2-car garage- Manageable lot size of approximately 4,392 sq ft- Recently painted (interior & exterior)- Upgraded laminate flooring throughout- New grass and sprinkler system installed and 30 solar panels! Fillmore, known as "The Last, Best Small Town" in Southern California, provides a tight-knit community feel surrounded by stunning citrus groves and the beautiful Santa Clara River Valley. Experience a slower, quality pace of life while being a convenient commute away from the greater Ventura and Santa Clarita areas. This home is perfect for first-time buyers, investors, or those looking to upgrade to a larger space. A general inspection was conducted prior to listing and is available upon request.
Source: CLAW #25607471
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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.