18343 Deer Hollow Rd, Hidden Valley Lake, CA 95467
3 beds · 2 baths · 1,346 sqft
This impeccably maintained home offers an exceptional blend of modern comfort and outdoor tranquility. The highlight of the property is the stunning outdoor living area, featuring premium Jamaican IPE hardwood decking that creates a beautiful and durable space perfect for relaxing or entertaining guests. Whether you’re enjoying a quiet evening or hosting a gathering, the backyard provides a private and serene retreat. Step inside to find a meticulously maintained interior, designed for both style and convenience. The heart of the home is the kitchen, which has been fully remodeled with gorgeous granite countertops, a central island that doubles as a breakfast bar, and all-new stainless steel appliances—less than two years old—ensuring a sleek and functional space for cooking and entertaining. In addition to the modern kitchen, the home boasts engineered hardwood flooring throughout, adding warmth and elegance to the living areas. A cozy wood-burning fireplace in the living room provides a perfect spot to unwind during colder months, while the abundance of natural light streaming through the upgraded windows creates a bright, welcoming atmosphere. Key updates throughout the home further enhance its appeal. The roof was replaced approximately 8 years ago, offering reliable protection for years to come. The heating and air conditioning units, along with the windows, were all replaced prior to the seller's purchase of the home in 2016, ensuring year-round energy efficiency and comfort. A Leak Detection system was installed in 2024 per insurance requirements. Both the front and back yards have been professionally landscaped, creating a lush, low-maintenance outdoor space that perfectly complements the home’s design. With these extensive updates and thoughtful touches, this home truly offers the best of both worlds—modern, move-in-ready interiors and an outdoor oasis to enjoy year-round. This turnkey home is ready for you to settle in and start living. Whether you’re looking to relax in your beautiful backyard, cook up a meal in your stunning kitchen, or simply enjoy the comfort of a well-maintained home, this property has it all.
Source: CRMLS #LC25069137
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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
Source: CRMLS #LC25069137
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. When you apply for the loan, you must attest that the home will be your primary residence for 12 months to be approved for an FHA assumption. Most lenders will ask that you move in within 60 days.
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 “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.
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 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.