2826 Goldenrain St, Palmdale, CA 93551
4 beds · 3 baths · 2,370 sqft
Get a free consultation call with an expert in the mortgage assumption process.
Life is busy, loud, and full of surprises (hello, snack crumbs in the couch). But this AnaVerde home might just be the one that helps you handle it all - with style, space, and a little sanity. This 4-bedroom, 3-bathroom home gives you room to breathe, grow, and maybe even relax. Downstairs has a full bedroom and bathroom, perfect for guests, in-laws, or an office where you can actually take a phone call in peace. The kitchen is open to the family room, so you can cook dinner, help with homework, and keep the chaos under control - without missing a beat. The oversized island is basically command central for snacks, science projects, and morning coffee. And the PAID SOLAR means you can run all your devices without having a heart attack every time you open the electric bill. Upstairs? You've got a huge loft that can be a playroom, movie zone, or a second hangout space when you need the kids to stop fighting over the remote. The primary suite is seriously spacious, with a big bathroom and a walk-in closet that might finally fit all your stuff (and hide a few gifts too). Outside, the backyard has plenty of room for a trampoline, BBQs, or just kicking back while the kids run wild. It's private, low maintenance and ready for real life. And let's talk about the neighborhood: Ana Verde is one of Palmdale's most loved communities, with trails, parks, and a true small-town feel that makes raising a family just a little easier. If you've been looking for a home that works just as hard as you do - this is it. Your next chapter starts here, and it's going to be full of memories you'll never want to forget.
Source: CRMLS #SR25085814
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 #SR25085814
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.