2957 Marina View Dr, Kelseyville, CA 95451
3 beds · 3 baths · 1,956 sqft
Get a free consultation call with an expert in the mortgage assumption process.
Absolutely stunning panoramic lake views from this gorgeous Riviera Heights home, spaciously situated on almost a half-acre, with a wrap-around deck to enjoy the views. The main level features an expansive open floor plan with a beautiful custom kitchen with stainless steel appliances, breakfast bar and beautiful cupboards with ample storage space. Welcoming living room buffers kitchen and dining area, with a gorgeous large rock fireplace and large wide windows allowing for spectacular views of the lake to come in and a slider to all weather, year-round, solarium with gorgeous views, perfect for those warm social events and family gatherings. Large master suite with its own stunning lake views and slider to rear deck, accompanied with a graciously large bath with separate jetted tub & walk-in shower, double sinks, and a second bedroom with full bathroom is on that same level. The lower level features a completely separate living space, could be a great family recreation space or rent it out for extra income. A third bedroom, full bath and kitchen area with a large extra room besides the great room that can be used as an office. Home has two garages, an easy driveway to access either your attached 2 car garage or your detached garage. Enjoy exclusive access to the private marina with a boat launch & pier plus a clubhouse and pool making this home a dream for those who love lakeside living. Great location close to the clubhouse, lake, and 15 minutes to town. This one is a must see!
Source: CRMLS #LC24204830
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 #LC24204830
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.