4427 68th St, La Mesa, CA 91942
3 beds · 2 baths · 1,652 sqft
Get a free consultation call with an expert in the mortgage assumption process.
Priced to sell with an assumable VA Loan! Enjoy your new oasis at 4427 68th Street in La Mesa! Nestled on a quiet cul-de-sac right next to Rolando Park, this turn key home offers 1,652 square feet of open-concept living, ideal for those who love to entertain. Step inside to discover a spacious living area that seamlessly flows into a large kitchen with a spacious island. The kitchen is a chef’s delight, featuring gleaming quartz countertops, ample counter space and storage, along with a custom wet bar or coffee station—perfect for entertaining or enjoying a morning brew. This space is designed for both functionality and style. The home boasts three comfortable bedrooms and two beautifully appointed bathrooms. Green energy enthusiasts will appreciate the dual pane windows, solar panels, Tesla batteries, and EV charger, making this home as efficient as it is charming. The outdoor space is equally impressive, featuring a private, covered patio that provides an ideal setting for relaxation or gatherings. With its turnkey condition and thoughtful amenities, this home is ready for you to move in and enjoy. Known as the "Jewel of the Hills," La Mesa is a vibrant community ideally situated within San Diego County. Its convenient location provides easy access to Downtown San Diego, the airport, beaches and mountains, allowing residents to enjoy both the tranquility of suburban living and the excitement of urban amenities. The charming downtown area of La Mesa is a hub of activity, featuring an array of delightful restaurants and unique shops that cater to a variety of tastes and preferences. From cozy cafes to upscale dining, there's something for everyone to enjoy. The area also hosts a variety of free events and farmers markets, fostering a strong sense of community and bringing neighbors together. Whether you're exploring the local parks, enjoying the arts and culture scene, or simply taking a leisurely stroll through the vibrant streets, La Mesa offers a welcoming environment that beautifully complements its convenient location.
Source: CRMLS #250017719SD
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 #250017719SD
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.