20195 Northcliff Dr, Canyon Country, CA 91351
4 beds · 3 baths · 1,715 sqft
Immaculate 4-bedroom, 3-bath manufactured home that is located in desirable Canyon View Estates with gate-guarded access. This RARE 4-bedroom 3-bath home features vaulted ceilings and is highly upgraded. Recent upgrades include newer Window Blinds, newer HVAC, a newer Water Heater as well as a Newer Roof! A large family kitchen was recently remodeled featuring quartz countertops, custom tile back-splash, stainless steel sink, upgraded stainless steel appliances, and several windows that allow in lots of natural light. The kitchen also has lots of cabinets, generous counter space, newer garbage disposal, and a breakfast bar. The spacious family room has a cozy fireplace and mantel area. Beautiful French door that leads out to a peaceful backyard. The backyard features a fully covered concrete and brick patio and walkway, turf grass area, and planters full of beautiful shrubbery and flowers. The main bedroom has a large walk-in closet, a vaulted ceiling, and a sliding glass door that leads out to the backyard. The main bathroom includes a double sink vanity area, soaking tub, separate walk-in shower, and lots of cabinets for storage. There are three additional spacious bedrooms with nice size closets. The laundry room is conveniently located in the main hallway with built-in cabinets. Washer, Dryer, Refrigerator, and Fire Pit Table are all included!! Direct access 2 car garage. The home is conveniently located near the community center, pool, and sports areas with lots of additional parking for quests. The community amenities, two pools, two spas, a play area, sports courts, a clubhouse w/full kitchen, and a BBQ area, RV parking is available. Located near Discovery Park, biking/walking trails, award-winning schools, shopping and commuter-friendly freeway access, and Metro-link. FHA Financing is available. Canyon View Estates is a leased land community in which you purchase the home and lease the land. The monthly land lease is $1778.22 per month. Call for an appointment today!
Source: CRMLS #SR25058673
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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 #SR25058673
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.
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