16325 Wikiup Rd, Ramona, CA 92065
3 beds · 3 baths · 2,013 sqft
Get a free consultation call with an expert in the mortgage assumption process.
Equestrian Paradise with Resort-Style Amenities! Discover the perfect blend of country charm and modern convenience in this stunning 3-bedroom, 2.5-bathroom home with 2,013 sq. ft. of living space, set on a sprawling 0.43-acre lot in a highly desirable planned community. Designed for both horse lovers and outdoor enthusiasts, this home offers direct access to 15 miles of scenic trails for hiking, biking, and horseback riding, plus two English and Western horse facilities within the community. Equestrian Features On-Site: • Two move-in ready pipe corrals (48’ x 24’ total) with 48’ x 10’ shelters and gate panels • Routed water & electricity for convenience • Corrugated metal panels for durability • 55’ lit round pen with soft sand footing, a 5’ wide gate entrance, and 4’ tall panels • Custom cemented wash rack/cross ties with quick-release chains • Decomposed granite (DG) throughout for easy maintenance • Excellent winter drainage • Adjacent trail entrance with two pedestrian gates & a double driveway gate • Trailer parking & zoning for up to 3 horses Beyond your private equestrian setup, enjoy access to incredible community amenities, including two sparkling pools, a clubhouse, an 18-hole championship golf course, sand volleyball courts, a park, a playground, tennis & pickleball courts, a basketball court, and three dog parks. This is more than a home—it’s a lifestyle! Whether you’re an avid rider, outdoor enthusiast, or simply looking for a serene retreat, this property offers it all. Don’t miss this rare opportunity—come see it today!
Source: SANDIEGO #250020943
Source: SANDIEGO #250020943
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.