34619 Calle Portola, Capistrano Beach, CA 92624
4 beds · 4 baths · 3,124 sqft
Looking for a beautifully updated, spacious home just one mile from the ocean? This stunning, move-in-ready residence in the charming Capo Beach community offers the perfect blend of modern elegance and coastal comfort. Nestled near the end of a cul-de-sac, this custom home boasts incredible curb appeal and thoughtful design throughout. The heart of the home is the beautifully remodeled kitchen—an inviting space featuring a large island, sleek quartz countertops, and a casual eat-in dining area. Cooking is a dream with premium Wolf double ovens and a built-in cooktop, elevating your culinary experience. Soaring cathedral ceilings, stylish modern fixtures, and an expansive upstairs bonus family room create an open and airy ambiance. Step out onto the balcony and take in the ocean and sunset views. Each of the three upstairs bedrooms features its own en-suite bath, ensuring ultimate privacy and convenience. The luxurious primary suite is a private sanctuary with high ceilings, a dual-sided fireplace, a spa-like soaking tub, and a modern glass-enclosed shower—offering the perfect retreat at the end of the day. Downstairs, a versatile first-floor bedroom with a full bath is ideal for guests, a home office, or multi-generational living. Designed for effortless indoor-outdoor living, the home features a beautifully updated front and backyard with low-maintenance decorative concrete slabs and lush turf. Retractable sunshades allow you to enjoy the backyard year-round, even on warmer summer days. Energy-efficient Tesla solar panels add sustainability and savings. Ideally located with easy freeway access, this home is just minutes from scenic parks, top-rated restaurants, shopping, and world-class beaches. With the highly anticipated $600M Dana Point Harbor revitalization underway, now is the perfect time to secure your spot in this thriving coastal community. Don’t miss this incredible opportunity!
Source: CRMLS #OC25061207
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 #OC25061207
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.