13471 Freedom Way, Westminster, CA 92683
3 beds · 3 baths · 1,461 sqft
Welcome to this elegant 3-bedroom, 3-bathroom home nestled in the highly sought-after Stonegate Community of Westminster. Spanning 1,461 square feet across two thoughtfully designed levels, this residence offers modern comforts and timeless style. As you step inside, you’re greeted by soaring high ceilings, warm neutral tones, and stunning hardwood floors that flow seamlessly throughout the open floor plan, accentuated by LED recessed lighting. The spacious kitchen is a chef’s delight, featuring granite countertops, wood cabinetry, and stainless steel appliances, perfect for both everyday meals and entertaining. The living spaces are enhanced by surround sound speakers with volume controls in the bedrooms, creating an immersive experience throughout the home. A large sliding glass door opens to a private outdoor patio, ideal for relaxing or hosting guests. Upstairs, the master suite boasts travertine tile in the luxurious bathroom, complemented by new luxury carpeting and beautifully designed finishes. Dual-pane windows, designer light fixtures, and fresh interior paint with updated door hardware elevate the home’s sophisticated charm. Practical upgrades include a tankless water heater, central heating and air with a smart thermostat, a modern camera video doorbell, and a garage door opener with keypad access to the attached 2-car garage. The convenience of an upstairs laundry room adds to the home’s appeal. Located just minutes from freeways, top-rated schools, the beach, Bella Terra Mall, Little Saigon, and the 22 & Beach shopping and dining plaza, this property offers the perfect blend of luxury and accessibility. Don’t miss the opportunity to own this move-in-ready gem in a prime Westminster location!
Source: CRMLS #OC25054401
Source: CRMLS #OC25054401
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.
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 “Get Notified” 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 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.
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.