80528 Avenue Santa Marta, Indio, CA 92203
2 beds · 2 baths · 1,823 sqft
GREAT NEW PRICE! PRICE REDUCED $10,000! Your very own desert oasis awaits. This perfect desert retreat is nestled in the active senior community of Sun City Shadow Hills. This carefully curated property is set against the stunning backdrop of the Shadow Hills. The southeast facing, extra large 9148 sf lot is just the right setting for this spacious San Emilio model (see supplements for the floor plan). The sparkling pool with waterfall and spa is thoughtfully placed on the west side of the home. There are several outdoor rooms including a gazebo, patio area with misters and an open patio near the natural gas BBQ. The spacious open floor plan features high ceilings, ceramic tile floors and low pile carpet. The living room has a gas fireplace and dining area. The kitchen has a large island, walk-in pantry and loads of granite counters. The built-ins include a gas cooktop, double ovens (one oven is convection) and microwave. The breakfast bar is just off the living room and opens to the kitchen. The spacious laundry room has a washer and dryer. There are two bedrooms and a den. The Primary bedroom has an en suite bathroom featuring a step in shower with bench. The huge walk-in closet provides lots of room for everything! The guest bedroom faces the front of the house and the den overlooks the beautifully landscaped yard with drip system on timer. The 3 hose bibs have conveniently been moved away from the exterior of the home to the landscaped area. This home is perfect for a primary residence or a desert getaway. PLEASE READ THE SUPPLEMENT PAGES for more information about this stunning home and the many amenities Sun City Shadow Hills has to offer. Click on the 360 tab for an aerial view and more photos. Visit SunCityShadowHlls.com for more information about the golf courses, restaurants, gyms, tennis, pickle ball and so much more. Note: Furnishings are also available for sale outside of escrow except Primary Bedroom mattress and motor.
Source: CRMLS #PW24240849
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Why Roam
Gap financing to lower your down payment
Unlock down payments as low as 5% – only with Roam
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If a purchase takes longer than 45 days, we’ll cover the seller’s mortgage until you close
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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 #PW24240849
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 of Equal Opportunity Act.