3443 Emerson St, Clearlake, CA 95422
3 beds · 2 baths · 1,400 sqft
Welcome to this stunning modern residence, newly renovated with meticulous attention to detail and contemporary comfort in mind. This three-bedroom, two-bathroom home offers 1,400 square feet of thoughtfully designed living space, perfect for both everyday living and entertaining. Step inside to discover beautiful vinyl plank flooring that flows seamlessly throughout the home, creating a cohesive and elegant atmosphere. The kitchen showcases sleek Corian countertops and a state-of-the-art electric cooktop stove, ideal for culinary enthusiasts. The primary bedroom features a generous walk-in closet, while the ensuite bathroom boasts a double sink vanity and stylish tile shower. Energy efficiency meets convenience with an all-electric design, including a tankless water heater and modern central heating and cooling system. The spacious two-car garage includes a dedicated laundry area, offering both functionality and convenience. Additional storage solutions include an exterior shed for your outdoor equipment and seasonal items. Situated in a versatile mixed-use zoned neighborhood that allows for both residential and commercial uses on the same site, this property offers unique opportunities for live-work arrangements. The location provides easy access to local amenities including Safeway for grocery shopping, scenic Highlands Park for outdoor recreation, and various educational facilities. The property's strategic location balances accessibility with residential comfort. This newly renovated home combines contemporary design with practical living spaces, making it an ideal choice for those seeking modern convenience without compromising on style. The thoughtful layout and quality finishes throughout create an inviting atmosphere that truly feels like home.
Source: CRMLS #LC25027533
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 #LC25027533
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 of Equal Opportunity Act.