11106 Baldy Mesa Rd, Victorville, CA 92392
3 beds · 2 baths · 1,568 sqft
Charming Ranch-Style Home with Endless Possibilities! Welcome to this 3-bedroom, 2-bathroom manufactured home on a permanent foundation nestled on a sprawling 2.5-acre fully fenced property at the border of Phelan and Victorville within the sought-after Snowline School District. This unique property is perfect for horse lovers, hobby farmers, or outdoor enthusiasts! New Roof (2023) with a 50-year warranty for peace of mind and energy efficiency; new plumbing throughout the house (2024); New Solar System with transferable payments to the new owner—start saving on energy costs immediately! A newly permitted 400 sqft storage unit, already equipped with electricity and plumbing, offering endless possibilities as a workshop, hobby room, or easily convertible to an Additional Dwelling Unit (ADU) for extra income or multi-generational living. A new $24,000 central electric cooling and heating system will keep you cozy during cooler months or cool in the hot summer months. 5 working cameras connected to your phone to keep an eye on the property; An existing barn, with 2 carports, and corrals, ready for your horses, goats, chickens, or other animals. This home also boasts a split floor plan for added privacy, a welcoming front porch, and plenty of room to store your off-road toys or create your dream outdoor oasis. Prime Location: Just 10 minutes from Victor Valley Mall, I-15, and Highway 395, making it a commuter-friendly location. Whether you want to settle into country living or invest in a versatile property, this home has it all. Don’t miss this incredible opportunity! Schedule your private tour today and see the endless possibilities this property holds. ~~EN ESPANOL~~ ¡Encantadora casa estilo rancho con infinitas posibilidades! Bienvenido a esta casa prefabricada de 3 habitaciones y 2 baños sobre cimientos permanentes en un terreno de 2.5 acres completamente cercado, ubicada en la frontera de Phelan y Victorville dentro del codiciado distrito escolar de Snowline. Mejoras recientes: Nuevo techo (2023) con garantía de 50 años, nueva plomería (2024), sistema solar con pagos transferibles, y una unidad de almacenamiento de 400 pies² con electricidad y plomería, lista para convertirse en ADU. Además, un nuevo sistema central de calefacción/enfriamiento de $24,000, cámaras de seguridad, un granero con corrales y un plano dividido para mayor privacidad. ¡Ubicación ideal y lista para disfrutar! ¡Programe su visita hoy!
Source: CRMLS #CV24254303
Learn about how it works
Why Roam
Gap financing to lower your down payment
Unlock down payments as low as 5% – only with Roam
5x the likelihood your offer is accepted
If a purchase takes longer than 45 days, we’ll cover the seller’s mortgage until you close
Close faster and stress-free
We close 2x faster because of our deep experience and lender relationships
Rates and payments are estimates based on public records.
Source: Public records
All values shown are estimated costs / mo.
Source: Public records
Source: CRMLS #CV24254303
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.