26252 Paseo Toscana, San Juan Capistrano, CA 92675
3 beds · 3 baths · 2,407 sqft
Get a free consultation call with an expert in the mortgage assumption process.
Fantastic opportunity to own a Gated 3bd 2.5bth Plan 3 Alipaz home. This well maintained residence features a generous size living area flowing into a spacious kitchen with center island, abundant cabinetry, breakfast bar seating, and recessed lighting throughout. Upstairs has 3 bedrooms and 2 baths & Laundry Room with a LARGE Primary receiving westerly views of the Capistrano Valley & Hills. Separate tub and shower, dual sinks, and a BIG walk-in closet. Secondary bedrooms with Jack n' Jill bathroom. 3rd bedroom has a very private and relaxing balcony directly off of it receiving consistent cool ocean breezes. Low maintenance Private backyard perfect for entertaining. Live walking distance to downtown SJC with its Depot, Dining, River St Market Place, and historic Mission as well as bike riding distance to Doheny State Beach & Dana Point Harbor(Approx 1.5 miles). Low HOA dues & NO mello-roos.
Source: CRMLS #OC25081524
Source: CRMLS #OC25081524
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.