190 Bautista Ct Unit 89 Unit 89
Oceanside, CA 92057
2 beds · 3 baths · 1,636 sqft
$699,999
Get prequalifiedAbout this home
Welcome to this light and bright tri-level townhouse in the desirable Mission district of Oceanside, located in the sought-after Mission Point community! This well-maintained home offers an attached two-car garage, a cozy fireplace in the living room, and both a private patio and balcony for ultimate outdoor relaxation. The freshly updated interior boasts crisp white cabinetry, stainless steel appliances, and newer countertops, along with a spacious primary suite featuring its own en-suite bath. Upstairs, you’ll find two large bedrooms, each with an attached bathroom, while the main floor offers a seamless living space with a breakfast nook, a living room, and access to the large balcony/deck. The tax records show two bedrooms, but a small family room was converted into a bedroom/den. Recent upgrades, including a brand-new roof, offer added peace of mind. The lower level features garage access, a sizable storage room, and a spacious garage with a laundry area. In addition to the private outdoor spaces, the community offers fantastic amenities such as a pool, playground, tennis courts, and gym. Conveniently located near shopping, dining, parks, the ocean, and Highway 76, this home is stylish, functional, and ready for you to move in!
Source: SANDIEGO #250021482
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FAQs
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.
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 580, 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.
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.
When assuming the existing mortgage as part of a home purchase, the buyer has to cover the seller’s equity in the home. The seller’s equity is the purchase price minus the remaining mortgage balance. This amount must be covered in full through an all-cash down payment or by taking out a second mortgage.
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