44524 37th St W, Lancaster, CA 93536
3 beds · 2 baths · 1,966 sqft
Get a free consultation call with an expert in the mortgage assumption process.
**SPRING into this charming West Lancaster single-story three-bedroom + two-bath home with *PAID SOLAR*! When driving up, you will notice the beautiful curb appeal, beginning with the tastefully designed brick-face columns, the low-maintenance desert landscape, and the inviting front porch perfect for greeting guests or enjoying those nightly sunsets. Exterior block walls, a tile roof, a three-car garage, a soft water system, and a paid solar system are just a few upgrades this home offers. Step inside to appreciate the open floor plan with vaulted ceilings, neutral color carpet, and tile flooring throughout. The spacious formal living room and formal dining room are perfect for entertaining. The kitchen has upgraded stainless steel appliances which include the refrigerator. There is also plenty of storage with multiple cabinets, a walk-in pantry, and an island. The living room has a fireplace with a tile hearth, custom built-in shelving, and a ceiling fan. Spacious bedrooms, all with ceiling fans. The primary bedroom has a large walk-in closet. The guest bathroom has dual vanity sinks and a tub shower enclosure, and the primary bathroom also has dual vanity sinks and a large, recently upgraded stand-alone shower with a bench seat. An indoor laundry room with storage/linen cabinets, a large sink, and a washer/dryer are included in the sale. Entertain your guests or sit quietly and relax in your backyard, which offers a newer vinyl-covered patio and an easy-maintenance landscape of artificial turf, mature bushes, and a planter wall. This home is located close to schools, shopping, restaurants, and amenities. Make an appointment today to view and appreciate this home and all that it has to offer!
Source: CRMLS #SR25074574
Source: CRMLS #SR25074574
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.