2328 Shasta Pl, San Jacinto, CA 92583
3 beds · 2 baths · 1,539 sqft
Welcome to this beautiful single-story home, ideally situated on a corner lot in a peaceful San Jacinto neighborhood with No HOA & No Mello Roos! This thoughtfully upgraded 3-bedroom, 2-bathroom home also features an additional 4th bedroom/office in the garage ideal for guests, a comfortable home office, or extra living space. The open and airy floor plan, where natural light pours in through energy-efficient dual-pane windows and skylights, creates a bright and welcoming atmosphere. The living room is highlighted by a classic brick fireplace with a custom mantle. The wood laminate and tile flooring run throughout the home, combining style with easy maintenance. The heart of this home is the beautifully updated kitchen, designed for functionality. Featuring sleek granite countertops, a massive quartz island, and custom cabinetry, this kitchen is both stylish and user-friendly. The dining area provides the perfect spot to accommodate those family holiday gatherings. Each bedroom offers plenty of space and natural light, creating a peaceful retreat for every member of the household. The primary suite features a spacious bathroom with dual granite sinks, elegant tile flooring, and a generously sized vanity. The guest bathroom has been updated with modern fixtures and finishes, adding a fresh and polished touch. The backyard is designed for both relaxation and entertainment. A covered patio provides a shaded retreat for outdoor dining, while the custom-built-in bar area is ready for hosting unforgettable gatherings with friends and family. The wrap-around yard offers ample space for gardening, pets, or even future outdoor enhancements. Brand-new water heater, High-efficiency A/C unit for year-round comfort, Recessed lighting throughout for a modern touch, Spacious driveway with RV parking, & Three-car garage with ample storage space.
Source: CRMLS #IG25072597
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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.
Rates and payments are estimates based on public records.
Source: Public records
Source: CRMLS #IG25072597
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.