2109 Symonds Dr, Pine Mountain Club, CA 93222
3 beds · 2 baths · 2,320 sqft
Enjoy golf, tennis, hiking, equestrian stables, fishing, and local shops, all with the peace of 24-hour security. This prime location ensures easy access to main roads, stunning views, and proximity to the fire department—perfect for snowy days.As you approach the home, the inviting front patio deck provides ample space for entertaining friends and family. Step inside to a spacious living room, featuring a stunning rock fireplace, beautiful wood ceilings, and large windows that frame picturesque forest views. It's the ideal space for gatherings, complete with room for a pool table and even a 12-foot Christmas tree during the holidays!The large kitchen boasts ample counter space and a breakfast bar, perfect for the home chef. All appliances are included, complemented by lovely wood laminate flooring. A generous dining room with a built-in hutch offers an inviting setting for family dinners. The wide hallway leads to a spacious master suite, complete with a walk-in closet, a charming window seat, and an en-suite bathroom with double sinks. This serene retreat features a slider that opens to the patio, perfect for enjoying cool mountain evenings. Two additional guest bedrooms offer ample space, one with a built-in desk and a beautiful window seat. The extra-large guest bathroom includes built-in linen cabinets for convenience, and a laundry room downstairs comes equipped with newer washer and dryer—ready for the new owner. The home is cozy with carpet throughout, ensuring warmth during the magical winter nights in this enchanting forest setting. This mountain home is not just a residence; it’s a lifestyle waiting to be embraced!
Source: CRMLS #SR24213970
Why Roam
Lower rates and lower down payments
The only homebuying option for you to put 5% down and get a 5% rate.
Closing guarantee
We can close in 45 days or we’ll pay the seller’s mortgage until we close.
Offer acceptance
95% of offers accepted when made with Roam. 5% accepted without.
Have questions? Email support@withroam.com
Source: Public records
Source: CRMLS #SR24213970
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.
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 “Get Notified” 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 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.
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.