6607 Sitio Sago, Carlsbad, CA 92011
4 beds · 4 baths · 3,337 sqft
Located in the highly sought-after Aviara community, this stunning 4-bedroom plus office, 4-bathroom home offers the perfect blend of luxury, comfort, and convenience. Nestled on a private cul-de-sac, this residence features an open floor plan with a formal living and dining room, ideal for both entertaining and daily living. The remodeled chef’s kitchen boasts top-of-the-line Bosch appliances, a Miele fridge, soft-close shaker cabinets, granite counters, and a spacious pantry. The large island with two beverage drawers makes entertaining a breeze. The cozy family room includes a fireplace and surround sound speakers, creating the perfect ambiance. Throughout the home, you'll find porcelain tile flooring, plantation shutters, and a separate laundry room. Upstairs, a dedicated media station perfect for homework or gaming. The expansive primary suite offers ocean views, a walk-in closet with custom built-ins, and a separate sitting room that opens to a large patio with stairs leading down to the backyard spa. Step outside to your private oasis, complete with a built-in outdoor BBQ, refrigerator, bar-top seating area, fire pit, and a custom heated pool and spa featuring a waterfall and Baja shelf. For the car enthusiast or hobbyist, the 3-car garage includes built-in cabinets, a work area, and metal racks for extra storage. Enjoy the benefits of fully paid, energy-efficient solar panels, and a 220-volt charging station for your electric vehicle. Just minutes from the beach, top-rated schools, Poinsettia Park, shopping, and dining, this home truly offers the best of Southern California living. This is the perfect place to call home!
Source: CRMLS #NDP2502775
Source: CRMLS #NDP2502775
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.