609 Guiberson St, Santa Paula, CA 93060
4 beds · 2 baths · 1,230 sqft
Get a free consultation call with an expert in the mortgage assumption process.
Welcome to 609 Guiberson St, Santa Paula – a beautifully updated home that offers a classic charm in a vibrant community. This 4-bedroom, 2-bathroom residence has been thoughtfully refreshed with new interior paint and updated carpet flooring in the bedrooms. This kitchen is designed for the family chef, featuring custom cabinets for ample storage, durable quartz countertops for easy meal prep, and a stylish tile backsplash that adds a finishing touch to the space." Creating a bright and inviting atmosphere. Experience the versatility of a spacious enclosed patio, perfect for entertaining, hosting family gatherings, or creating a fun game room. The backyard is designed with the family in mind, offering a safe space for kids to play and an ideal setting for barbecues and outdoor fun." The versatility and security of a two-car garage, providing ample space for parking or creating a dedicated workshop. The front fence enhances safety, ensuring vehicles can be securely parked in the driveway while maintaining peace of mind. Santa Paula, known as the “Citrus Capital of the World,” offers a rich blend of small-town charm and historical significance. Nestled in Ventura County, the city is renowned for its scenic landscapes, thriving agricultural heritage, and vibrant downtown district filled with unique shops and local eateries. Residents enjoy close proximity to outdoor recreation, including hiking trails, parks, and picturesque views of the nearby Santa Clara River Valley. This home is move-in ready, providing a comfortable and stylish living space ideal for both relaxation and entertaining. 609 Guiberson St delivers the perfect balance of convenience and character in a desirable neighborhood. Don’t miss out! Experience the best of Santa Paula living—schedule your private showing today!
Source: CRMLS #SR25085140
All values shown are estimated costs / mo.
Source: Public records
Source: CRMLS #SR25085140
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.
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.