1136 Crystal Downs Dr, Chula Vista, CA 91915
4 beds · 3 baths · 2,600 sqft
Welcome to this exquisite 4-bedroom, 3-bathroom home, 3 car garage, Pool, jacuzzi, solar panel. From the moment you arrive, you'll be captivated by the beautifully designed landscaping featuring faux grass, crushed granite and custom entry door. Step into a grand entrance with vaulted 20+ ft. ceilings that enhance the spacious feel of the formal living room, complete with a Florence fireplace mantel. The first floor boasts gorgeous wood-look porcelain tile, an abundance of natural light, and neutral-tone paint for timeless appeal. The formal dining room also features vaulted ceilings, creating the perfect space for entertaining. Designed for flexibility and comfort, this home includes a *convenient downstairs bedroom and full bathroom*. The open floor plan seamlessly connects the kitchen, dining area, and family room, making it a dream for both everyday living and hosting. The gourmet kitchen showcases granite countertops with half bevel edge, full backsplash, stylish pendant lights, and ample cabinet space, stainless steel appliances. The cozy family room features its own Florence fireplace mantel. A beautifully crafted *wood spiral staircase* leads you to the second floor, where ceiling fan lamps and plantation shutters provide comfort throughout the home. The *spacious primary suite* is a true retreat, offering an extended walk-in closet and a recently upgraded en-suite bathroom with a ceramic tile shower and tub, new plumbing fixtures, double sink vanity, and tile flooring.Saltwater pool with three water fountains, pebble tech floor. See supplement for more features.
Source: SANDIEGO #250022038
All values shown are estimated costs / mo.
Source: Public records
Source: SANDIEGO #250022038
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.