1959 Cordelia Dr, Atwater, CA 95301
6 beds · 5 baths · 4,195 sqft
Expansive 6-Bedroom Home with Paid-Off Solar & Water Softener! If space, comfort, and modern amenities are what you’re looking for, this stunning 6-bedroom, 4.5-bathroom home is the perfect fit! Designed for both everyday living and entertaining, this home offers versatile spaces and thoughtful upgrades throughout. Step into the inviting living room, complete with a cozy fireplace, creating a warm and welcoming atmosphere. The heart of the home is the huge gourmet kitchen, which features an oversized island, sleek granite countertops, abundant cabinet storage, and stainless steel appliances, including a double oven, gas stovetop, and dishwasher. With an open-concept layout with hardwood floors flows seamlessly into the spacious family room, this home is designed for gatherings both large and small. The first floor is perfect for guests, in-laws, or a home office, featuring two bedrooms and a full bathroom—ideal for those needing extra space and accessibility. Upstairs, retreat to the primary suite, boasting a walk-in closet with custom built-in cabinets, ceiling fans, and a spa-like en-suite bathroom with a separate shower, relaxing soaking tub, laminate flooring and dual vanity sinks. A second suite with its own private bathroom offers even more flexibility for multi-generational living or visiting guests. Additional upstairs bedrooms are spacious, offering plenty of natural light, ceiling fans, and ample closet space. Outside, enjoy a private backyard ready for your personal touch—ideal for BBQs, gardening, or simply unwinding after a long day. Hope into the personal spa too! And don’t forget the energy-efficient perks—this home comes with PAID-OFF SOLAR at closing, helping you save on utility costs! Plus, a water softener is included for added comfort and convenience. The house has a security system installed throughout the home with motion sensors. Plus, WiFi enabled sprinkler system through B-hyve, WiFi enabled garage door through myQ and a pinpad by the front door locking mechanism all these items can be controlled by your phone. Let's not forget- refrigerator, washer and dryer will be included. Located in a neighborhood close to shopping, dining, schools, and parks, this home has it all!
Source: CRMLS #MC25053598
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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 #MC25053598
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.