649 N Cuyamaca St, El Cajon, CA 92020
3 beds · 1 baths · 1,000 sqft
Get a free consultation call with an expert in the mortgage assumption process.
Exceptional opportunity: value priced between $750,000 - $789,999. Experience it before someone else does. If you're looking for a charming home with soul, keep reading. This Fletcher Hills gem proves that great things come in the perfect size — manageable, stylish, and comfortable. Step inside to discover beautiful flooring throughout, plantation shutters, detailed crown molding that whispers craftsmanship, and a layout that just feels right. The garage? Not just a place for your car — with its epoxy-finished floor, it’s a space worth showing off. Outside, this home features Tex-Cote® Coolwall® exterior stucco — a smart, energy-efficient finish that helps reflect heat and protect your investment. Combined with solar panels, an economic cooling system, tinted windows, and you’ve got year-round comfort without the sky-high utility bills. And then there’s the view. Those mountain vistas? They’ll never get old. They’re a daily reminder that Fletcher Hills isn’t just a neighborhood — it’s a lifestyle. This isn’t for someone looking for “just another house.” This is for someone who values detail, efficiency, and location — someone who’s ready to appreciate a home that’s been cared for and elevated in all the right ways. The home is ready. The question is… are you the right fit?
Source: SANDIEGO #250021969
All values shown are estimated costs / mo.
Source: Public records
Source: SANDIEGO #250021969
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.