54045 Cave Rock Rd, Anza, CA 92539
3 beds · 2 baths · 2,747 sqft
Highly upgraded 2016 SKYLINE HOME, CUSTOM VILLA Model, 2773 SQ FT. Upgrades include 9’ and 10' flat ceilings, recessed lighting, Double door front entry, wired security system, custom blinds, and Granite countertops throughout the house. The Kitchen has Premium stainless steel appliances, upgraded cabinets, kitchen island with a built-in 5-burner gas range. Separate prep kitchen area. For the chilly winter nights, enjoy the beautiful stone fireplace in the main family room. Two spacious guest bedrooms and closets. A separate laundry room with access to the outside. Chain-link dog run. The home includes a side-by-side front load washer and gas dryer on stands. The Main bedroom offers a private retreat/nursery area, and a slider to the backyard. The ensuite bathroom has granite countertops, dual sinks with lots of counter and cabinet space, a linen cabinet, a sunken tub, a separate shower, and a private restroom. Interior doors upgraded to 3' wide. High end Wood laminate floors throughout the main living area, commercial upgraded carpet. DUAL Zone HVAC System. The property features 2 separate 200 AMP Electrical Panels, a whole-house water filtration system, and outside motion lights. The property is 2.25 acres, fully fenced chain-link, Multiple gated entry. The main gate is a remote-controlled entry. For emergencies, the house is set up with a GENERAC 22kw propane Generator. The garage is 36x36. Insulated,4 car tandem with workshop, 50 amp RV hook-up on side of the garage. Back patio cover 28x10 self-standing reinforced steel cover, concrete runs along back of the house, small fenced yard w/2 10' gates. The crawl space is set up with multiple lights. This home is in pristine turn-key condition. ANZA sits at 4000 ft elevation allowing you to enjoy 4mild seasons. Only a 30-minute drive to Temecula, or 45 minutes to Palm Desert. Be sure to Check out the Virtual Tour of this special home and stop by our OPEN HOUSE on 4/13 Sunday from 12:00 to 4:00 to see this great buy!!!
Source: CRMLS #SW25057828
Send questions to support@withroam.com
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
Source: CRMLS #SW25057828
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. When you apply for the loan, you must attest that the home will be your primary residence for 12 months to be approved for an FHA assumption. Most lenders will ask that you move in within 60 days.
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.
What 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 “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.
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 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 of Equal Opportunity Act.