1656 Via Rojas, Hemet, CA 92545
3 beds · 2 baths · 2,030 sqft

Get a free consultation call with an expert in the mortgage assumption process.
Stunning Turnkey 55+ Home in Solera Diamond Valley by Del Webb! This beautifully upgraded home offers unparalleled elegance and comfort. Boasting gorgeous curb appeal with a diamond-cut concrete driveway and professional landscaping, you’re welcomed by a grand entryway into a stunning open-concept floorplan. The living room features a cozy fireplace, while custom tile flooring set at a 45-degree angle flows throughout. The gourmet kitchen is a chef’s dream with upgraded appliances, dual ovens, built-in microwave, full custom backsplash, walk-in pantry, and upgraded fixtures. A custom bar with a wine rack and wine fridge makes entertaining effortless. The spacious primary suite includes a dual sink vanity, walk-in shower, custom shower and tub, and a custom glass privacy window. A laundry room with a sink and extra storage, and an office/den with elegant French doors, add to the home’s functionality. Plantation shutters enhance its charm. Step outside to your private backyard retreat, featuring a California patio cover and pergola perfect for relaxing or entertaining. The extended garage with built-in cabinets provides ample storage. The community amenities are second to none, offering something for everyone. Stay active in the state-of-the-art fitness center with a walking track, or enjoy socializing in the library, billiard room, or theater room. Two outdoor pools, an indoor pool, bocce ball, tennis, and pickleball courts provide endless opportunities for recreation. With a busy calendar of daily, monthly, and annual events, this vibrant community is the perfect place to enjoy your next chapter. Don’t miss out on this incredible home and lifestyle!
Source: CRMLS #SW25039690
All values shown are estimated costs / mo.
Source: Public records
Source: CRMLS #SW25039690
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.
