21992 Wilgen Rd, Escondido, CA 92029
4 beds · 5 baths · 3,829 sqft
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Elevated Luxury Living in Harmony Grove – A Rare Single-Story Estate with Panoramic Views on just over 1.5 acres. Inquire about ASSUMING 1ST DEED OF TRUST VA LOAN at 2.25% interest rate!!!! Qualifications will apply. Discover unparalleled privacy and sophistication in this exquisite single-level estate, nestled within one of Harmony Grove’s most special enclaves. Tucked away on a cul-de-sac shared by only three residences, this 2020 Lennar-built masterpiece rests on a sprawling approx. 1.53 acre lot, gracefully elevated to capture breathtaking panoramic vistas and complete serenity. See suppl. below Designed for those who value both luxury and tranquility, this residence offers expansive, professionally landscaped grounds designed to impress, offering the ultimate in resort-style living. A custom-designed salt water pool and spa anchor the outdoor oasis, and the bespoke fire pit with built-in seating for 30 creates an extraordinary space for grand-scale entertaining. A pergola provides an elegant retreat for shaded lounging, and a designer outdoor kitchen island on wheels allows for seamless, elevated al fresco dining. For added convenience the property also features a custom-built secondary access with gated entry and steps along the side of the home—a thoughtful design element enhancing both flow and function. Enter through the grand front door into an expansive, tall ceiling and light-filled floorplan where refined design meets contemporary luxury. At the center of the home lies a striking great room, framed by disappearing glass walls that blur the boundaries between interior and exterior living. Just beyond, a chic California room complete with a cozy fireplace and outdoor TV, motorized remote controlled window treatment blind offers ability to further enclose this outdoor room and provides shade. Similar window treatment at cascading doors in living room. The chef’s kitchen is a true showpiece, featuring top-of-the-line stainless steel appliances, an enormous quartz slab island with premium finishes, and abundant custom cabinetry. A butler’s pantry and walk-in pantry further elevate the culinary experience. Adjacent, the dining area is bathed in natural light from floor-to-ceiling windows, framing captivating views of the lush landscape and rolling hills beyond. With four luxurious ensuite bedrooms and an extra room currently used as an office but could be an art room, media room, gym or yoga studio…this home is the epitome of elevated comfort. Elegant crown molding frame the primary bedroom suite, barn door entry into the sumptuous bathroom with dual vanities a freestanding soaker tub, large frameless shower enclosure and sprawling walk in closet. California Closet custom built-ins in living room, primary bedroom suite and garage. The home boasts numerous smart home features and include additional upgrades such as voice controlled thermostat, tankless water heater, ring video door bell system, paid solar panels which also heat the pool and self cleaning pool robots. The fully fenced yard is also pre-wired for further gas and electric connectivity. Artificial grass dog potty pad or use to place storage unit.Tesla batteries in garage and pre-wire for electric/hybrid vehicle charging station, generator conveys with home. The solar/battery combination generates enough electricity throughout the year to run the house, heat the pool and provide credits when the weather is inclement. LED light package, dual AC zones, alarm system, post-tension foundation, fire sprinklers throughout and low energy dual-pane vinyl windows, ceilings fans in every room. Whether hosting guests or enjoying peaceful solitude, every detail has been curated for a lifestyle of refinement and ease. The amenities of Harmony Grove Village truly make enjoying the outdoors as part of your life. The Grove resort style pool, spa, clubhouse and grilling areas for year round amusement. Explore in the 3 public parks, a dog park and 5 neighborhood parks, 2 m...
Source: CRMLS #250024989SD
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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
All values shown are estimated costs / mo.
Source: Public records
Source: CRMLS #250024989SD
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.