12273 Del Sur St, Victorville, CA 92392
4 beds · 3 baths · 2,135 sqft
Step into the perfect blend of elegance and efficiency—a meticulously maintained single-family home offering a sublime sanctuary for modern living. With a spacious floor plan of 2100 sq ft on a generously sized 7210 sq ft lot, this residence is the epitome of comfort and style, awaiting a discerning buyer. Upon entering, you'll be welcomed by high ceilings and recessed lighting that imbue the space with an airy, open feel. The heart of the home is undoubtedly the expansive kitchen, featuring stainless steel appliances, pristine granite countertops, and a convenient breakfast bar with upgraded drop lighting—ideal for casual dining or entertaining guests. This kitchen blends seamlessly into a family room, enhancing the open-plan living experience that keeps family and friends connected. This property caters to flexible living arrangements with its split floor plan, offering three bedrooms and a home office—perfect for remote work. The master suite is a true retreat, featuring a separate shower and tub, double sinks, a huge walk-in master closet. Complementing the additional 2 bedrooms have a Jack & Jill bathroom and the home offers a 1/4 guest bath. Presently, one of the 4 rooms is configured as a modern home office, showcasing the home's adaptability to your needs. Outside, the property continues to impress. Updated landscaping includes water-conservative designs featuring cement, gravel and paver walkways that encircle the entire home, furnishing ample space for outdoor activities. A patio cover in the backyard provides a shaded oasis, perfect for summer BBQs or serene mornings with coffee. Boasting a substantial three-car garage and an abundance of storage, this home caters to all your practical needs. Solar panels and a whole house fan further enhance its appeal, offering energy efficiency that respects both the environment and your wallet and windows have custom shutters for elegant look. Nestled in the friendly neighborhood of Victorville, the property is conveniently located near a host of local amenities. Don't miss this opportunity to own a home that perfectly combines luxury, convenience, and sustainability.
Source: CRMLS #IV24253418
Source: CRMLS #IV24253418
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.