19985 Red Feather Rd, Apple Valley, CA 92307
3 beds · 3 baths · 2,396 sqft
Get a free consultation call with an expert in the mortgage assumption process.
Custom Built Home with Modern Amenities, Guest Casita and Exceptional outdoor Space! Welcome to this stunning custom-built home, crafted by its original owner in 2004. Thoughtfully designed for comfort, style and functionality, this property is situated on over half an acre and features a circular driveway leading to a 3-car garage with plenty of attic storage accessed by a drop-down ladder. The main house boasts 3 bedrooms and 2.5 bathrooms with high ceilings and abundant natural light enhanced by skylights. The flooring combines laminate wood and tile for a stylish yet durable finish, with a beautiful tile entryway that sets the tone for this beautiful home. The master suite is a true retreat, featuring a bay window with a cozy sitting area and underneath storage, French doors leading to the backyard, a walk-in closet, and a jacuzzi tub. The kitchen is a chef’s delight, offering granite countertops, a pantry, and ample storage space. Upgrades include two upgraded electrical panels, and double-pane windows for energy efficiency and LEASED SOLAR PANELS, SELLERS WILLING TO NEGOTIATE WITH BUYERS IF THEY WOULD LIKE TO OWN THEM. Design for entertaining, the extended rear patio comes equipped with gas supply, perfect for BBQs and gatherings. The backyard features stamped concrete design, a functional fountain, and a low-maintenance yard featuring drip irrigation. Take a dip on the above-ground pool. There's even RV access for added convenience. Adding to the home’s appeal is a detached casita in the backyard. This versatile space is perfect as a guest room or office, complete with its own mini-split AC/heat system, smart plugs, and phone-controlled lighting and fan. Lot is big enough to add an ADU. This one-of-a-kind home is ideally located near Apple Valley Golf Course, schools, and shopping, offering both privacy and accessibility. Don't miss the opportunity to make this incredible home your own!
Source: CRMLS #TR24244036
Learn about how it works
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
All values shown are estimated costs / mo.
Source: Public records
Source: CRMLS #TR24244036
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.
Roam is committed to and abides by the Fair Housing Act and Equal Opportunity Act.