21815 Nisqually Rd, Apple Valley, CA 92308
3 beds · 2 baths · 1,806 sqft
Get a free consultation call with an expert in the mortgage assumption process.
This 3-bedroom, 2-bath home offers 1806 sq ft of living space, designed for both comfort and style. Whether you're relaxing indoors or entertaining outdoors, this home has everything you need to live your best life. As you step through the front door, you'll be greeted by an inviting and spacious living room with updated flooring throughout, enclosed bonus room/sunroom, large, newer windows that fill the space with natural light. The kitchen is a chef's delight, featuring modern appliances, ample counter space, and plenty of storage with beautiful quartz counters. The bedrooms are well-appointed, providing a cozy retreat at the end of the day. The master suite includes a private updated bathroom, creating a serene oasis for relaxation with a large closet. The additional bedrooms are versatile, perfect for a growing family or a home office. One of the highlights of this property is the expansive backyard, offering endless possibilities for outdoor enjoyment. Whether you envision hosting lively gatherings with friends and family or creating your own private oasis, this spacious outdoor area is waiting for you. There is a large, covered patio, landscaped, RV parking, garden area, and an above ground pool, newer central AC and heater, will be connected to sewer, and so much more. Enjoy easy access to nearby parks, schools, and shopping centers. Whether you're entertaining or seeking peace and privacy, this home offers the perfect balance. With its spacious layout, beautiful backyard, and central location, it’s ready for you to call home. Don't miss out—schedule your tour today and see for yourself why this is the ideal place to make lasting memories and embrace the Apple Valley lifestyle!
Source: CRMLS #HD25002433
All values shown are estimated costs / mo.
Source: Public records
Source: CRMLS #HD25002433
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.