3396 Via Cortez, Lompoc, CA 93436
3 beds · 2 baths · 1,247 sqft
Get a free consultation call with an expert in the mortgage assumption process.
Welcome to 3396 Via Cortez – Your Next Chapter Starts Here Located in the heart of the highly sought-after Mission Hills neighborhood of Lompoc, this inviting 3-bedroom, 2-bathroom home blends comfort, charm, and potential into one beautiful package. With 1,247 sq ft of living space on a 6,534 sq ft lot, this single-story gem is perfect for those looking to settle into a peaceful community without compromising space, convenience, or lifestyle. Step inside to a bright and welcoming living room filled with natural light—ideal for cozy evenings, lively gatherings, or simply unwinding after a long day. The kitchen features warm wood cabinetry, classic tile countertops, and a sunny dining nook perfect for morning coffee or casual meals. The home’s thoughtful layout includes three spacious bedrooms, with the primary suite offering direct access to the backyard—a seamless indoor-outdoor connection that adds a touch of everyday luxury. Both bathrooms have been tastefully updated with modern finishes, giving the home a clean, move-in ready feel. Outside, the private backyard offers endless potential—a perfect setting for entertaining, gardening, or creating your own outdoor retreat. There’s a large patio, mature landscaping, and a detached storage shed for extra functionality. The gated front yard, wide driveway, and attached two-car garage round out the home’s practical features. But it’s not just the home—it’s the lifestyle. Mission Hills offers a quiet, community-focused atmosphere while keeping you close to the best of the Central Coast. You're just minutes from: Purisima Mission State Historic Park – hiking trails and rich California history. La Purísima Golf Course – one of the top-ranked public courses in California. Downtown Lompoc – filled with local eateries, art murals, boutiques, and community events. Award-winning wineries along the Santa Rita Hills Wine Trail. Vandenberg Space Force Base – ideal for military, aerospace, or tech professionals. Scenic drives to Santa Ynez Valley and the beaches of Surf and Jalama. 3396 Via Cortez delivers on location, comfort, and opportunity.
Source: CRMLS #SR25077057
Source: CRMLS #SR25077057
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.