1245 Via Candelas, Oceanside, CA 92056
4 beds · 3 baths · 2,029 sqft
Welcome to 1245 Via Candelas, a contemporary masterpiece nestled in the highly sought-after Pacific Ridge community. This home is a showstopper, blending modern elegance, energy efficiency, and unbeatable convenience. Pride of ownership shines throughout this 3-bedroom, 2.5-bath beauty, complete with a loft, office, and a two-car garage equipped with an EV charger—ideal for today’s lifestyle. Step inside and be captivated by the bright, airy open-concept design, bathed in natural light and enhanced by sleek finishes. The gourmet kitchen is a chef’s dream, featuring stunning quartz countertops, recessed lighting, and top-of-the-line stainless steel appliances, including a double oven, dishwasher, refrigerator, washer, and dryer—all included! Custom shutters throughout add a touch of sophistication, while 14 fully owned solar panels ensure sustainable, cost-effective living. The primary suite is nothing short of luxurious, boasting a spacious walk-in closet and a spa-like en-suite bath with an oversized walk-in shower and dual showerheads. Wake up to breathtaking views of the community pool from your private sanctuary. A front-facing bedroom with its own balcony provides a charming retreat, while strategically placed windows offer sweeping hillside vistas. But the magic doesn’t stop inside—step into your private, fully finished backyard oasis. Gather around the brand-new gas fire pit, unwind under the built-in gazebo, and envision endless possibilities with the pre-installed gas line—ready for your dream outdoor kitchen. It’s an entertainer’s paradise! Situated just 10 minutes from Oceanside’s stunning beaches, this home offers the perfect blend of coastal charm and suburban convenience. Enjoy easy access to top-rated schools, fantastic dining, premier shopping, and outdoor recreation. Plus, residents enjoy resort-style community amenities, including a sparkling pool, relaxing spa, and lush park spaces. With low taxes and an HOA of just $210/month, this sophisticated, stylish, and energy-efficient home is a rare gem. Don’t wait—experience the best of modern living today! Tremendous Saving on the Electricity Bill: Only $20.00 Electric Bill Per Month.
Source: CRMLS #IG25049738
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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 #IG25049738
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.