32252 Via Del Nido, Trabuco Canyon, CA 92679
5 beds · 4 baths · 3,234 sqft
Motivated Seller – Stunning Rancho Cielo Estate in a Gated Community! Step into luxury with this exquisitely updated 6-bedroom, 3.5-bathroom, 3-car garage home, perfectly situated in a private cul-de-sac in the heart of Trabuco Canyon. Recently refreshed with new paint on interior and exterior trim, selective interior and exterior repairs, and a brand-new HVAC system featuring two AC units and a furnace, this home is move-in ready and designed for modern comfort. A striking grand glass double-door entry welcomes you into a breathtaking interior, where soaring vaulted ceilings and a beautifully refinished grand staircase with rich, polished wood set the tone for elegance. The main level boasts an ensuite bedroom with a private bath, an additional bedroom and half bath, a formal dining room, and a dedicated study—ideal for working from home. Designed for both style and functionality, the upgraded chef’s kitchen showcases new cabinetry, a spacious island with a gas range stove, a refrigerator, and a microwave. A walk-in wine bar and a cozy fireplace add warmth and sophistication. The home also features a new water heater, updated appliances, and luxury vinyl plank flooring throughout. Upstairs, the expansive primary suite is a true retreat, complete with a dual-sided limestone fireplace, step-up jacuzzi tub, separate travertine shower, dual vanities, and a private balcony offering serene mountain views. Additional highlights include a Jack-and-Jill bathroom, a loft space, a whole-house fan system, and a convenient laundry chute. The exterior is thoughtfully designed for both beauty and low maintenance, featuring lush, high-end turf in the front yard for year-round greenery without the upkeep, while the backyard boasts a cobblestone patio, a built-in Lynx barbecue, and a charming gazebo—a perfect setting for entertaining or unwinding. With dual-pane windows and premium upgrades throughout, this home seamlessly blends luxury, privacy, and practicality. Don’t miss the opportunity to make this Rancho Cielo masterpiece yours—schedule a private tour today!
Source: CRMLS #OC24254618
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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
Source: CRMLS #OC24254618
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. When you apply for the loan, you must attest that the home will be your primary residence for 12 months to be approved for an FHA assumption. Most lenders will ask that you move in within 60 days.
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.
What is Roam?
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.
What is an assumable mortgage?
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.
Why is an assumable mortgage valuable?
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.
How can you find assumable mortgage listings?
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.
How do I qualify for an assumable mortgage?
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 of Equal Opportunity Act.