32710 Summersweet Dr, Winchester, CA 92596
5 beds · 3 baths · 3,157 sqft
Welcome to Your Dream Retreat! This is THE One! NO Hoa Fees! Absolute perfection, including solar with 33 panels and an LG backup battery, say goodbye to high electricity bills once and for all. Fall in love with this Craftsman-inspired home in the beautiful community of French Valley,Winchester. This home has been lovingly updated with all new luxury fresh paint, an updated kitchen, plantation shutters throughout, crown molding, high ceiling with natural light, and much more. The gorgeous kitchen is a Chef’s dream with bright white cabinets, granite countertops and massive sit and eat Island, new stainless steel sink and all appliances! The kitchen is open to the large family room, the perfect place to gather by the fireplace or relax and unwind with built-in surround sound speakers. Upstairs, you will find three large rooms and a bonus loft that could become a 6th bedroom, second office space, exercise area, or play area! The primary bedroom downstairs features a two massive his and hers walk-in closet and conveniently located on the main floor with direct access to the outdoor jacuzzi spa, jacuzzi and inground pool complete with a barbeque area perfect for entertaining friends and family Just imagine sitting outside on sunny spring days with a drought -tolerant, low maintenance yard with raised garden and firepit perfect for entertainin. Let the day's stress melt in the private primary bath with a double sink, powder area, huge soaking tub separate from the walk-in shower, with LED exhaust fan with Bluetooth speaker and ambiance lighting! Also, you will find a large laundry room with a laundry sink, large office, formal living room and formal dining room all on the main floor. In additon, this home has a New A/C system and a New Water Heater system, and toilets throughout. The 2 split2 car garage on opposite sides, and long driveway male it perfect to park your RV or boat as well as room for gym, workshop, or playroom. car garage with a long driveway makes it perfect to park RV or boat, as well as room for a gym, workshop, or playroom options abound! New pool filter, with new housing, and new pool vacuum. This home offers all of this plus award-winning schools, parks, hiking trails, wineries, and so much more! Just away from the Temecula Wine Country, Lake Skinner Promenade Mall, groceries and all convenient stores. With its blend of comfort, functionality and desirable location, this property is a true gem. You need to see this home! Once you do, you’ll love to call it home!
Source: CRMLS #PTP2501566
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Why Roam
Lower rates and lower down payments
The only homebuying option for you to put 5% down and get a 5% rate.
Closing guarantee
We can close in 45 days or we’ll pay the seller’s mortgage until we close.
Offer acceptance
95% of offers accepted when made with Roam. 5% accepted without.
Rates and payments are estimates based on public records.
Source: Public records
Source: CRMLS #PTP2501566
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.
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 “Get Notified” 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 580, 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.