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13025 Bermuda Dunes Dr

Victorville, CA 92395

4 beds · 3 baths · 2,281 sqft

$490,000

$3,092/mo at 4.91% with Roam

$3,518/mo at 7% with a bank loan

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About this home

Turn-Key Home in Desirable Spring Valley Lake! Located in the sought-after community of Spring Valley Lake, this spacious 4-bedroom, 3-bathroom home offers 2,281 sq. ft. of comfortable living space. Featuring two en-suite bedrooms—one conveniently located downstairs and another upstairs—this home is perfect for multi-generational living or guest accommodations. Enjoy wood-look, water-resistant flooring, elegant granite countertops, and generous living and family rooms, ideal for entertaining. Step outside to a low-maintenance landscaped yard, relax in the above-ground spa with decking, or take in the view from the elevated deck. Spring Valley Lake offers incredible amenities, including a private lake, beach, parks, community center, and public safety services. Plus, you're just minutes from shopping, dining, and schools. Sq. Ft. not verified. Information deemed reliable, not guaranteed.

Source: CRMLS #HD25064634

2,281 sqft
7,200 sqft
Single Family
Built in 1988
2 car garage
Fireplace

Neighborhood
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FAQs

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.

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 580, 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.

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.

When assuming the existing mortgage as part of a home purchase, the buyer has to cover the seller’s equity in the home. The seller’s equity is the purchase price minus the remaining mortgage balance. This amount must be covered in full through an all-cash down payment or by taking out a second mortgage.

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Last updated: Jul 28, 2025 11:43 pm
Listing provided courtesy of: First Team Real Estate (760) 952-8326
Details provided by CRMLS and may not match the public record.
MLS ID: #HD25064634
Based on information from California Regional Multiple Listing Service, Inc. as of Jul 29 2025 - 00:24 and/or other sources. All data, including all measurements and calculations of area, is obtained from various sources and has not been, and will not be, verified by broker or MLS. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.
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