444 Pinehurst Ave, Placentia, CA 92870
5 beds · 3 baths · 2,695 sqft
Get a free consultation call with an expert in the mortgage assumption process.
Luxury, innovation & lifestyle–welcome to your forever home! An exceptional 5-bedroom, 3-bath just shy of 2,700 square feet, nestled in one of Placentia’s most desirable enclaves. From the moment you arrive, you'll feel the perfect blend of timeless elegance, thoughtful upgrades, and next-level sustainability. Inside, a beautifully remodeled kitchen awaits, complete with soft-close cabinetry and modern finishes-perfectly designed for both everyday living and weekend entertaining. Plantation shutters grace the lower level, while ceiling fans in every bedroom and bonus room ensure year-round comfort. Upstairs, the grand room becomes your personal retreat with a built-in wet bar-ideal for unforgettable gatherings or serene evenings at home. The home’s smart design continues with updated double-pane vinyl windows and full LED lighting throughout, offering both energy efficiency and style. Step outside to your private resort-style oasis which includes a Pebble Tec swimming pool (redone in 2016), and equipped with a brand-new filtration system. Whether it’s sunny afternoons or starry night swims, this backyard delivers the perfect escape. Tech and comfort go hand in hand here. A Lennox 5-ton variable drive AC/heat pump (2020) provides powerful, efficient climate control, while the 13.2kWh Tesla Solar Tile Roof, and dual Tesla power walls (27kWh of total storage) ensure your energy independence for years to come—supported by a transferable 25-year warranty (20 years remaining). Other upgrades include: 60amp garage service—ideal for a workshop, EV charger, or home sauna, attic ventilation fans for maximum heat reduction, all asbestos professionally removed, newer washer & dryer included. Thoughtfully updated, well maintained, and sustainably equipped for the future-this never offered before home won't last long! Come experience it for yourself!
Source: CRMLS #OC25089627
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 #OC25089627
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.