750 Breeze Hill Rd Apt 116 # 116, Vista, CA 92081
2 beds · 2 baths · 874 sqft
Get a free consultation call with an expert in the mortgage assumption process.
Nestled within a quiet inside green space, the Southwest exposure offers wonderful light and makes for an enjoyable time on the outside balcony where you can enjoy a morning coffee in the sun or barbeque. Charlemont is a friendly, clean community located only blocks to shops and restaurants. This luxurious unit offers open space and high ceilings, providing a comfortable, clean, and airy atmosphere. The kitchen offers beautiful outdoor views and gas cooking with plenty of cabinet spaces. The laundry holds a conveniently located full sized washer and dryer behind closed doors. Enjoy the comfort of modern living with name brand kitchen appliances, including a sleek new oven and sink, as well as a Lenox air conditioning system. You can enjoy an amazing meal in the dining area or snuggle up with your loved ones in front of a cozy fire. Charlemont is ideally located just minutes from Breeze Hill Park and Breeze Hill Elementary School. With a proposed new park nearby and two Charlemont Association pools, you'll have plenty of opportunities for outdoor recreation and healthy living right at your doorstep!
Source: CRMLS #OC25083328
All values shown are estimated costs / mo.
Source: Public records
Source: CRMLS #OC25083328
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.