6104 Laport St, La Mesa, CA 91942
4 beds · 3 baths · 2,005 sqft
Experience the ultimate in lakeside living with this stunning Prime Lake Murray view home, offering breathtaking panoramic views of the lake and valley. Nestled at the end of a peaceful cul-de-sac, this newly remodeled modern-style home is an entertainer's dream. With its beautiful landscaping and open-concept design, every detail has been thoughtfully crafted to create an inviting and luxurious atmosphere. The spacious living room, featuring a cozy fireplace and soaring vaulted ceilings, seamlessly flows into a separate family room complete with a wet bar sink and wine refrigerator—perfect for hosting gatherings. The beautifully remodeled kitchen is a chef's dream, showcasing new cabinetry, sleek stone countertops, upgraded stainless steel appliances, and a 6-burner chef’s stove. A stylish tile backsplash completes the space, making it as functional as it is beautiful. A large dining area, along with a full bedroom and bath, complete the main level. Upstairs, the luxurious primary suite offers stunning lake views through a large bay window, along with a spacious walk-in closet and a spa-like bath featuring a custom walk-in shower, soaking tub, and wall fireplace. Two additional bedrooms provide ample space, with mirrored sliding wardrobes and more breathtaking views of Lake Murray. Step outside to your own private oasis. The backyard is designed for unforgettable entertaining, with a spacious patio and a refurbished pool and spa with new plaster and tiles. Enjoy year-round energy savings with a seller-owned solar electric system, while the 2-car finished garage with epoxy floors provides the perfect finishing touch. This home truly combines the best of luxury, comfort, and location—showing like a model home, and offering an unparalleled opportunity to live in a prime lakeside setting.
Source: CRMLS #PTP2501976
Financials
Source: CRMLS #PTP2501976
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.
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