6281 Paseo Privado, Carlsbad, CA 92009
5 beds · 6 baths · 3,906 sqft
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Perched on an elevated view lot in the prestigious, gated community of Monteviña, this former model home has been meticulously updated in a transitional style, blending timeless elegance with modern sophistication. In the spacious great room, you'll find an exquisite kitchen remodel complete with custom Maple cabinets, a luxury Waterstone faucet, bespoke hardware, walk-in & butler’s pantries. Every detail has been considered, down to the switches and electrical outlets, all replaced with LeGrand wall plates for seamless style and functionality. (See list of improvement in Documents link). In addition to the one-bedroom ADU, there are four well-appointed bedrooms, including two suites on the entry level, and an upper level consisting of an extraordinary primary suite with separate bathrooms, dedicated spacious his & her closets, a cozy retreat, fireplace, spacious balcony with expansive views to the horizon, plus a secondary bedroom, currently utilized as an office. A distinctive feature of this residence is the attached guest apartment with separate entrance, renovated in 2020 with updated flooring, fresh paint, new appliances, and modern finishes—complete with its own air conditioning, full-sized laundry, and hot water heater. The outdoor space is thoughtfully enhanced with an outdoor fireplace and a complete landscape update, new pergola, and Belgard pavers in the backyard. The property’s perimeter is secured by wood fencing on both sides—completed in phases between 2020 and 2024—and a concrete fence and gate along the garage side. Resort style community pool & spa. Loads of walking trails. Peaceful and private, with no houses behind or across the street, this lovely home is move-in ready and located on the Sunny Side of Carlsbad, adjacent to Leo Carrillo Ranch. and only minutes to Trader Joe’s, Cinépolis, restaurants, Costco, Target, Home Depot and Palomar Airport!
Source: CRMLS #NDP2501170
Learn about how it works
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
All values shown are estimated costs / mo.
Source: Public records
Source: CRMLS #NDP2501170
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.