42443 Surrey Ct, Lancaster, CA 93536
4 beds · 3 baths · 2,144 sqft
Get a free consultation call with an expert in the mortgage assumption process.
Welcome Home to comfort and style, Already renovated so that you simply MOVE IN! Step into this spacious cul-de-sac home with over 2,100 sq ft of living space, situated on a generous 15,200+ sq ft lot. This 4-bedroom, 3-bathroom home is a true reflection of pride in ownership & attention to detail offering a blend of functionality & charm. Three bedrooms conveniently located on the lower level. The primary suite upstairs offers a private retreat with plenty of space & privacy. Enjoy the comfort of new carpet throughout & fresh paint in every room. With a spacious laundry room down stairs with plenty of added storage as well. This home has been thoughtfully updated & is move-in ready, from the fresh new paint & baseboards to the upgraded flooring, every detail has been carefully considered. The kitchen is a DREAM featuring brand-new cabinets, countertops, sink, microwave, recessed lighting, as well as a newly designed layout with an island with added storage & an opened up walls to add an open concept flow into the living room, perfect for gatherings & everyday living. Cozy up by the fireplace in the living room or head upstairs to the loft area, ideal for an office or quiet reading space. Step outside to your private upstairs porch overlooking the side-yard, perfect for enjoying you landscape creativity. The home also features RV access, a three-car garage with a door leading to the backyard & a large driveway that provides ample parking for multiple vehicles. Located in a fantastic well established neighborhood In West Lancaster / Quartz Hill Area, West Side Union School District within walking distance of Quartz Hill High School, close to shopping centers & several parks. This home offers the perfect blend of comfort, convenience, and style. Appliances Included. Contact Listing Agent Nancy Uribe For Any Additional Questions 6618105225. Some photos have been AI furniture enhanced
Source: CRMLS #SR25102415
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 #SR25102415
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.