4745 Marblehead Bay Dr, Oceanside, CA 92057
4 beds · 3 baths · 2,396 sqft
Welcome to the home of your dreams in beautiful Oceanside! This exquisite two-story residence boasts 4 bedrooms, 3 bathrooms and a bright and open floor plan. With soaring ceilings and abundant natural light, this home is warm and inviting. Step inside and you will enjoy the harmonious balance of spacious design, coupled with modern refinement. The ground floor features a downstairs bedroom with nearby full bath, perfect for out of town guests or a home office. The recently upgraded kitchen boasts modern appliances, a walk-in pantry, and a backyard view, seamlessly connecting to the family room with a cozy fireplace—perfect for entertaining. Beautiful tile work in the fully remodeled bathrooms is stunning. Upstairs, the spacious primary suite offers breathtaking views of lush trees. The remodeled en-suite bathroom showcases a natural stone shower, oversized soaking tub, dual sinks, ample storage, and a walk-in closet with organizers. Two additional upstairs bedrooms share a beautiful bathroom with dual sinks and shower-over-tub. The private backyard oasis features a spectacular view, fruit trees, low-maintenance turf, and a 30-ft enclosed dog run, with no direct neighbors behind. Libby Lake Park is nearby and located just 8 miles from Oceanside Pier and Beach, this home blends elegance, comfort, and a prime location. Come see it for yourself and make it your own!
Source: CRMLS #OC25030626
Financials
Source: CRMLS #OC25030626
Source: Public records
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 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.
Other resourcesWhat is Roam?
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.
What is an assumable mortgage?
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.
Why is an assumable mortgage valuable?
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.
How can you find assumable mortgage listings?
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 “Get Notified” 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.
How do I qualify for an assumable mortgage?
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 580, 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 of Equal Opportunity Act.