15 Oleander, Lake Forest, CA 92630
4 beds · 4 baths · 2,263 sqft
Welcome to the California Dream! Featuring an ideal Cul-Du-Sac location this home has been Designed and Upgraded to Embrace All That Is California Indoor/Outdoor Living. Curated to be the Ultimate At Home Sanctuary located in the Luxurious Resort-Style community of Baker Ranch featuring 4 Bedrooms, 3.5 Baths this Stunning Home has everything you and your family have been looking for! You are greeted with On Trend Designer Upgrades including Natural Harwood Flooring, Open Concept Floor Plan, Light & Bright Interior and Soaring Cathedral Ceilings. The Gourmet Chefs Kitchen has been Upgraded Throughout and includes Stainless Steel Appliances, Built-In Refrigerator, 6 Burner Gas Range, Upgraded Quartz Counter Tops, White Cabinets, Designer Tile Backsplash, On Trend Pendant Lights, and Spacious Center Island w/Bar Seating. Enjoy timeless gatherings in the conveniently located Designated Dining area, complete with a Designer Light Fixture and Beautiful White Built-In Cabinetry and Storage. The Desirable Downstairs Bedroom and Full Bath creates incredible Flexibility and Functionality for all buyers. Continue upstairs and notice Natural Light and Backyard views piercing through Illuminating Windows created by the Soaring 2 Story Ceiling. Upstairs you will find 3 Beds & 2 Baths along with the Convenient Second Floor Laundry Room. The Primary Suite will leave you well rested and calm for a Serene Experience. Ease yourself into a new wellness routine in your Spacious Spa-Like Primary Bath featuring Dual Vanities, Quartz Countertops, Massive His & Hers Walk In Closets, Walk In Shower, Pendant Lights, and Designer Tile. Experience the beauty of California Living in your Outdoor Backyard Oasis! Entertain your guests in the fully equipped backyard featuring Covered California Room, Tranquil Water Feature, Designer Hardscape, Lush Landscaping, Outdoor BBQ Island w/Stone Facade, Built-in BBQ and Refrigerator and Built-In Fire Pit…a true entertainers delight! Additional Upgrades for the Modern Buyer Include Tankless Water Heater, SOLAR and 2 Car Attached Garage w/Storage & Epoxy Flooring. The Ideal Location of this home enjoys convenient access to many of the Baker Ranch Amenities and walking distance to the Park, Playground, Basketball Court and Grove Clubhouse. Baker Ranch offers top of the line amenities including 3 Swimming Pools, Hiking and Biking trails, Sports Courts and Parks, Clubhouses, etc.. Do Not Miss this Incredible opportunity! This One Will Go Quick!
Source: CRMLS #OC25059066
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 #OC25059066
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 of Equal Opportunity Act.