23459 Barona Mesa Rd, Ramona, CA 92065
5 beds · 3 baths · 2,388 sqft
Get a free consultation call with an expert in the mortgage assumption process.
Welcome to your dream home at 23459 Barona Mesa in the beautiful San Diego Country Estates! This stunning residence boasts an entertainer's paradise in the backyard, featuring a sparkling pool, relaxing hot tub, and beautifully designed custom hardscape and decks surrounded by fruit trees. The pool has been resurfaced with a Baja shelf add-on, providing a perfect spot for lounging and enjoying sunny days. This outdoor space is perfect for hosting gatherings or simply unwinding in your own private retreat. Inside, you'll find a host of recent improvements that elevate the home's appeal. Enjoy the fresh air and natural light streaming through new windows throughout. The modern kitchen is equipped with upgraded high-end appliances including a stainless steel refrigerator, dishwasher, and double oven, making it a chef's delight. The home's comfort is further enhanced by a cozy fireplace, fully paid solar panels, EV 220 charging outlet, and tankless water heater ensuring efficiency and endless hot water. Retreat to your luxurious master suite, which includes a fully remodeled bathroom featuring an extra-large soaking tub—an oasis for relaxation. The upstairs bathroom has also been fully remodeled. With a combined investment of over $120,000 in upgrades, this home boasts a fresh and modern feel. With its perfect blend of indoor luxury and outdoor entertainment, this home is a true gem. Don’t miss your chance to own this spectacular property! Schedule your showing today and start living the lifestyle you've always dreamed of!
Source: CRMLS #NDP2504093
Learn about how it works
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 #NDP2504093
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.