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$610,000 SIGNIN

Sign in to see required down payment for the 3.92% rate

3070 Sand Pine Trl, Hemet, CA 92545

5 beds · 3 baths · 3,335 sqft

Welcome to your serene retreat, nestled away from the hustle and bustle of Hemet, California. Ideally situated near shopping and dining, this gated community offers the perfect blend of convenience, seclusion, and 24/7 security. Step inside to a private entryway that passes by a loft (or 6th bedroom) and then leads you into a kitchen featuring sleek dark Oak cabinets and elegant Corian countertops with tile below. The open concept creates a seamless flow, allowing you to stay connected with family and friends as they relax and enjoy the living room area. There is also a formal dining area, complete with a stunning chandelier overhead, adding a touch of elegance to your meals and gatherings. The two-car tandem garage offers extra storage space, making it ideal for parking larger toys and equipment. Head upstairs to 4 of the 6 bedrooms, thoughtfully designed to offer just the right balance—close enough to feel connected, yet private enough to enjoy your own space. The flex room provides a versatile second living area, perfect for games, a playroom, or whatever suits your needs. Conveniently located upstairs for easy access, the laundry room makes household chores a breeze. Resort style amenities include a community pool, a beautiful lake filled with ducks and beautiful koi fish, well-maintained parks, scenic walking trails, and a relaxing spa. There is a park right next door, providing even more space to relax and enjoy the outdoors. Not only do you have 3,335 sq. ft. of beautiful interior space, but you also get an incredible 6,098 sq. ft. of outdoor space to enjoy and make your own. Willowalk gated community feels like its own world! Welcome Home

Estimated
Seller's interest rate
3.92%
7%
Estimated
Monthly payment

$3,916
$4,877
You may also save up to $313,347 in total interest paid.

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.

Financials
Seller’s estimated current equity is SIGNIN
To assume this mortgage you must cover the seller’s equity by using your cash or by combining your cash with gap financing.
Estimated $4,877 monthly payment

Financed
SIGNIN
Location
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Loan details
Loan type
FHA
Rate
3.92%
Remaining term
27 yrs and 2 mos
Remaining balance

Source: Public records

Monthly payment

All values shown are estimated costs / mo.

Total
$3,916
Principal & interest
$2,559
Mortgage insurance
$383
Property taxes
$565
Home insurance
$223
HOA fees
$184
Utilities
Not included

Source: Public records

Home details
Size
3,335 sqft
Lot size
0.14 acres
Year built
2005
Type
Single Family Residence
HOA dues
$184.00

Source: CRMLS #SW25061940

Qualify

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.

Resources
Frequently asked questions

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.

View all FAQs
Last updated: Apr 17, 2025 09:08 am
Listing agent: Rianne Robinett
Listing provided courtesy of: Coldwell Banker Kivett-Teeters (951) 658-2149
Details provided by CRMLS and may not match the public record.
MLS ID: #SW25061940
Based on information from California Regional Multiple Listing Service, Inc. as of Apr 17 2025 - 21:34 and/or other sources. All data, including all measurements and calculations of area, is obtained from various sources and has not been, and will not be, verified by broker or MLS. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.
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