57412 Saint Marys Dr, Yucca Valley, CA 92284
3 beds · 2 baths · 1,490 sqft
What truly sets this home apart is the two-story guest house, offering a private living space with a downstairs living room, bathroom, and closet, plus an upstairs bedroom—ideal for extended family, rental income, or a personal retreat. The property also features dedicated RV parking and a shared storage area, ensuring plenty of room for all your needs.This beautifully upgraded property offers 3 bedrooms, 2 bathrooms, and 1,490 square feet of comfortable living space. Designed for both style and function, the home features easy-care tile flooring, a striking tiled fireplace, vaulted ceilings, and recessed lighting that adds warmth and charm. The spacious kitchen is perfect for cooking and entertaining, boasting expansive tile countertops, rich wood cabinetry, and plenty of storage and prep space. Just off the kitchen, a large bonus room provides the flexibility to be used as a home office, playroom, creative studio, or entertainment area—tailored to fit your lifestyle. Step outside and enjoy a beautifully landscaped, low-maintenance backyard with drought-tolerant landscaping and premium concrete—perfect for relaxing or entertaining in every season. Located in a highly sought-after neighborhood within the Morongo Unified School District, this home is zoned for Yucca Mesa Elementary, La Contenta Middle School, and Yucca Valley High School. With its prime location, thoughtful upgrades, and rare additional living space, this home is a must-see. Don’t miss your chance—schedule a tour today!
Source: CRMLS #IV25017327
Financials
Source: Public records
Source: CRMLS #IV25017327
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.
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 “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.