10912 Dicky St, Whittier, CA 90606
3 beds · 1 baths · 1,197 sqft
A beautifully renovated 3 bedroom home serenely tucked away, you feel the charm the moment you step inside. The new kitchen and dining area flows nicely to the living room with welcoming vibes and lots of natural light, move-in ready. The kitchen includes new flooring throughout, custom cabinets with a new sink, open concept flow and brand new appliances. The laundry is conveniently located towards the rear of the home at the center of the kitchen and the bathroom, the laundry offers the washer and the dryer connections. The new appliances include a new refrigerator, stove, dishwasher, range hood with microwave, washer and dryer top quality brands. The home features three spacious bedrooms with plenty of closet space, one full bathroom with matching finishes throughout, new tile bath walls, new vanity and attention to detail. All main upgrades have been completed to this cozy home including a new roof, ready for a new buyer to come in and make it their own. The exterior features a huge front yard space plus a large back yard big enough to host a party and entertain, long driveway leads you to the garage at the rear of the property and potential to build an ADU. Location is prime and only walking distance to shopping centers, parks, schools and conveniently located to all major freeways (605,05,60,91,105). Most neighboring homeowners have owned in this special community for 10-20+ years. Welcome home and do not miss this opportunity!
Source: CRMLS #DW25058112
All values shown are estimated costs / mo.
Source: Public records
Source: CRMLS #DW25058112
To qualify, you must meet the current FHA or VA 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%. 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.
FHA (Federal Housing Administration) loans
FHA loans require the buyer to assume the mortgage as a primary residence.
VA (Veteran's Affairs) loans
You don't have to be a veteran to assume a VA loan. However, not all veterans are willing to let a non veteran assume their mortgage. Roam confirms the seller's willingness prior to you making an offer.
Investors
You may be able to assume a VA mortgage as an investor without it being your primary residence.
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.
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.
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 620, 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.
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.