2192 Chandler St, Camarillo, CA 93010
3 beds · 2 baths · 1,454 sqft
Welcome to 2192 Chandler St, a captivating one-story home nestled in the heart of Midtown Camarillo, where convenience meets comfort in a symphony of modern living. This exquisite property, boasting 3 bedrooms and 2 baths, has been meticulously updated to offer a seamless blend of elegance and practicality.As you approach the home, the charming exterior and well-manicured patio yard invite you into a realm of tranquility. The cute, easy-maintenance outdoor space is perfect for sipping your morning coffee or enjoying the golden hues of the setting sun.Step inside to discover a living room that whispers tales of warmth and hospitality, with a cozy fireplace serving as the centerpiece. The flickering flames dance to create an ambiance of relaxation, making it the perfect retreat after a long day.The heart of this home is undoubtedly the recently updated kitchen, a culinary haven with pristine quartz countertops that glisten under the soft glow of recessed lighting. Updated cabinets offer a sleek and modern touch, providing ample storage for all your kitchen essentials. The space is designed not just for cooking, but for creating memories with loved ones.Each bedroom is a sanctuary of serenity, promising restful slumbers and a retreat from the hustle and bustle of daily life. The updated bathrooms echo the home's theme of modern luxury, with fixtures and finishes that cater to both style and function.The newer dual pane windows frame views of the neighborhood while ensuring a peaceful interior, insulated from the outside world. A newer HVAC system guarantees your comfort no matter the season, with climate control at your fingertips.Living at 2192 Chandler St means you're just a stone's throw away from the newly remodeled Vons store, ensuring your pantry is always stocked with ease. Culinary delights, shopping escapades, lush parks, and reputable schools are all within reach, enriching your life with convenience and community.For those who commute, the 101 Freeway is a mere whisper away, providing swift access to the arteries of Southern California. Whether it's for work or play, your journeys start with the simplest of departures.This home is not just a residence; it's a canvas for your life's next chapter. It's where the aroma of home-cooked meals fills the air, where laughter echoes in the halls, and where each corner is imbued with the love of those who dwell within.We invite you to come visit 2192 Chandler St
Source: CRMLS #V1-29013
Source: CRMLS #V1-29013
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.