11704 Juniper Dr, Apple Valley, CA 92308
2 beds · 2 baths · 1,278 sqft
Charming Home nestled within a secure, age-privileged community where tranquility meets convenience. Featuring two-bedroom, two-bathroom home which offers an elegant retreat with cathedral ceilings and tile flooring that create an impressive sense of space and airiness throughout living and dining area. The kitchen features a quaint breakfast nook ideal for casual dining, while a larger dining area accommodates more formal gatherings. The primary bedroom serves as a personal sanctuary, generously proportioned to accommodate a sitting area for those quiet moments featuring new carpet. Enjoy the luxury of double sinks, a beautiful tile tub shower, and a spacious walk-in closet. Access directly to your private patio—perfect for morning coffee or evening relaxation. Step outside to your covered patio, where lush green shrubbery lines a sturdy block fence, located on the green belt offering serene views and a sense of expanded space beyond your private domain. The South Mojave Riverwalk Park lies less than a mile away, providing additional outdoor recreation options. Community amenities include a welcoming clubhouse, refreshing pool and spa, tennis courts, golf facilities, and a fully-equipped gymnasium. Security is never a concern with 24-hour attended entrance service. Perfectly positioned near shopping centers, restaurants, and entertainment venues, this home offers the ideal balance of peaceful seclusion and convenient accessibility. Your next chapter begins here! EXCLUSIVE LIFESTYLE AWAITS IN 55+ GATED COMMUNITY!
Source: CRMLS #HD25074559
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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
Source: CRMLS #HD25074559
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. When you apply for the loan, you must attest that the home will be your primary residence for 12 months to be approved for an FHA assumption. Most lenders will ask that you move in within 60 days.
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.
What is Roam?
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.
What is an assumable mortgage?
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.
Why is an assumable mortgage valuable?
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.
How can you find assumable mortgage listings?
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.
How do I qualify for an assumable mortgage?
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.