13771 De Garmo Ave, Rancho Cascades, CA 91342
4 beds · 3 baths · 2,405 sqft
Get a free consultation call with an expert in the mortgage assumption process.
Your personal hideaway is here. With just a short distance away from the 210, 5, 14, 405, and 118, you can escape the LA hustle and bustle with this spacious 4 bed, 3 bath pool home with RV Parking. Built like an entertainer's dream this spacious 2,405 sq ft home sits on a 17,606 sq ft lot, features a functional floorplan, and an additional rec room which can be converted into a 5th bedroom. As you approach the home, you'll notice the lush greenery and strong Elderwood arched doorway. The hardwood floors and high ceiling living room really opens up the space and leads you to the dining area and the front courtyard like patio. The kitchen boasts black granite countertops, hardwood cabinets, and an open space concept leading you into the family room. The first bedroom features a queen size Murphy bed and built-in shelves. The large primary bedroom is ADA accessible, features a walk-in closet, and a private bathroom that feels like an oasis with natural elements, like a copper sink bowl, wooden countertop vanity, natural stone tiled wall in the shower area, and a spa tub. The additional bedrooms are also spacious and comfortable. Ample storage can also be found in the laundry room which leads to the attic, the rec room, and a private en-suite bedroom with a walk-in closet and its own 3/4 bathroom. The easily accessible large attic space (approx. 370 sq ft) with a separate area for storage (approx. 189 sq. ft.) provides another area for hobbies and a retreat. The lower tiered backyard offers mountain views as it backs into a horse trail and is ideally located for an ADU or for larger gatherings. Store all your tools and pool toys in the exterior storage shed which is approx. 152 sq ft. Al fresco dining is made special because of the oversized patio, allowing you to host pool side. The sound of the waterfall feature will bring calm and tranquility to your day as you create your grazing table with an abundance of organic fruits; orange, tangerine, mandarin, grapefruit, loquats, kumquats, lemon, Mexican lime, guava, peach, nectarine, apricot, pomegranate, and olive trees. The driveway and carport offers plenty of space, with enough to fit 6 cars in front of the home, plus a 2-car carport space with built-in cabinets and RV parking at the side of the home, providing convenience and ease for you and your guests. Look no further, your retreat awaits.
Source: CRMLS #WS25070931
Learn about how it works
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
All values shown are estimated costs / mo.
Source: Public records
Source: CRMLS #WS25070931
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.
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.
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.
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 and Equal Opportunity Act.