56171 Nez Perce Trl, Yucca Valley, CA 92284
4 beds · 2 baths · 2,045 sqft
Welcome to this stunning POOL home with 4 bedrooms, 2 bathrooms with a potential 5th bedroom/office, offering 2,045 sqft of living space in the highly desirable Mesquite Homeowners Association neighborhood with WIFI controlled central air and natural gas heating. This amazing property includes a heated in-ground pool & spa with waterfall and LED lighting, fully fenced yard with 10’ drive-thru side-gate, sensored exterior lights & a beautifully landscaped irrigated yard. The massive kitchen features a reverse osmosis system with new filters providing pure drinking water, granite countertops, stainless steel appliances, upgraded cabinetry and a walk-in pantry. The living room is highlighted by a cozy fireplace, offering a warm and inviting space for gatherings. The primary bedroom is a private retreat. French doors lead to the back patio, an ensuite bathroom with dual sinks, walk-in shower with glass enclosure, jetted tub, private toilet room, and a large walk-in closet with sensor lighting & upgraded closet systems. The other bedrooms are generously sized with sliding-door closets & upgraded closet systems. The guest bathroom offers dual sinks with a separate room for the shower/tub for added privacy. The laundry room has included appliances, granite countertops, a large sink, upgraded cabinetry, and natural gas/electric dryer hook-ups. The house features tile throughout and the bedroom carpets have been steam-cleaned. Outside, the backyard is massive and designed for enjoyment, featuring a newly painted grip cool-crete back patio—keeping the concrete cool for bare feet and pets. Highlights include a fire pit, custom-built pergola with lighting, new ceiling fans, fruit trees including black cherry, navel orange, Meyer lemon, fig, plum, and almond. A pergola in the front yard adds even more charm & protects the succulent garden. This beautifully landscaped property includes all new solar LED accent lighting. The fully finished 3-car garage includes indoor sensor lighting, WIFI controlled garage doors, a new 30 inch “whole house” fan and Louisville® pull-down ladder system for over-garage storage, a whole-house tankless water heater and water softener. An efficient Sunrun solar power agreement makes your monthly bill consistent and affordable. Located in a safe, quiet, very well maintained HOA neighborhood with sidewalks on both sides of the wide streets. If you are seeking a unique blend of safety, comfort, luxury, and functionality, this home is for you!
Source: CRMLS #JT24238524
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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 #JT24238524
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.