36958 Goldshot Creek Rd, Mountain Center, CA 92561
3 beds · 3 baths · 2,400 sqft
Get a free consultation call with an expert in the mortgage assumption process.
If peace, privacy, and big-sky views are calling--welcome home to GoldShot Creek in beautiful Garner Valley. This unique and inviting home features soaring windows that capture breathtaking views and flood the interior with natural light. The open-concept living room is anchored by a cozy wood stove--a must for mountain living--and showcases a warm blend of flagstone, hardwood, and carpeted flooring that adds both charm and comfort. The expansive primary suite offers a true sense of escape, with panoramic views just outside your sliding glass door, a private fireplace, and a spa-like bathroom complete with double sinks set in custom flagstone counters, an oversized soaking tub, and a walk-in shower. Every detail has been thoughtfully designed to blend rustic character with modern convenience. A spacious loft provides flexible living space ideal for guests or creative use, complete with its own full bathroom. Downstairs, you'll find a dedicated home office and an additional full guest bath, offering room for everyone. Step outside to experience the best of California mountain living. Soak in the jacuzzi under the stars, rinse off in the outdoor shower, or play a match on your private tennis court. The tennis court also has the potential to become a pickle ball court. The property also features a covered run-in shed for your horses and is surrounded by sweeping views and tranquil landscapes that deliver total privacy and peace. Whether you're seeking a full-time residence or a weekend escape, this one-of-a-kind property offers a lifestyle of serenity and inspiration--just 35 minutes from Palm Desert and 40 minutes from Temecula. The community features 26 miles or private horse riding trails, a arena, round pen and building. **Home has a assumable low interest loan**
Source: CRMLS #219129248DA
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 #219129248DA
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 and Equal Opportunity Act.