luxury real estate for sale California, United States (page 77)

Welcome to this magnificent Modern Mountain Estate, situated on an expansive 2.71± acre lot in the prestigious Diamond A neighborhood. As you enter through the private gated entrance, you'll immediately feel the exclusivity and privacy this property offers. This stunning home features 3 bedrooms, 3 full bathrooms, and 2 half bathrooms, providing ample space for comfortable living. The property also boasts a four-car garage, ensuring plenty of room for your vehicles and storage needs. One of the highlights of this estate is the large deck, offering breathtaking views of the surrounding mountains. This outdoor space is perfect for hosting gatherings and entertaining guests while enjoying the serene beauty of the area. In addition to the main house, there is a separate pool house with a full bathroom, providing convenience and versatility for those who enjoy the poolside lifestyle. Speaking of pools, there is room for a potential pool addition on the property, allowing you to create your very own oasis in the Sonoma countryside.

A multi-generational estate vineyard, winery & residence in southern Mendocino County. Whaler Vineyards rests elevated on the Mayacama Bench, in an idyllic setting just above the Russian River, accessed by a gated & landscaped drive. Approximately 28 acres are planted to Zin, Syrah & Cab, which have been farmed with care for many years. The vineyards surround the residence & functional winery. The residence is protected by mature redwoods, while capturing commanding views. Unique finishes, such as interior redwood cladding, reclaimed from the Hetch Hetchy Aqueduct, bring a warm rustic & refined feel. Outdoor living is complimented by expansive 2nd story decking, mature landscaping & inground pool. The winery facility is well equipped, with ample conditioned space & a history of production. The adjacent shop houses the equipment necessary to maintain the ranch, as well as a separate living unit & office. A truly diverse wine country offering, within 2 hours of the Bay Area, awaits.

Enter this stunningly renovated 3 bedroom, 2.5 bath oasis through an impressive glass door that exudes sophistication and style. Immerse yourself in the culinary realm with top-of-the-line Bertazonni appliances gracing the kitchen, while the rich hardwood floors seamlessly guide you through this single-story haven. Revel in the convenience of a walk-in pantry and custom cabinetry, perfectly complemented by breathtaking outlooks and indoor-outdoor living spaces. Embrace the California dream with a brand-new pool, stone counters, and a captivating stone fireplace. Imagine stepping into a serene oasis where a luxurious soaking tub beckons, surrounded by designer tiles and complemented by a double vanity and spa like shower. This primary bathroom does not disappoint. The guest bathroom and powder room are just as impressive. This home is one you will not want to leave once home but if you do decide to venture out, you are close to the historic Sonoma Plaza and less than 1± hour to San Francisco and an easy 20± minutes to Napa. This turnkey gem promises the ideal weekend retreat or permanent sanctuary. Welcome home to unparalleled sophistication and comfort.

Kenwood Wine Country Retreat recently completed a major renovation in 2023 and is located at the edge of charming Kenwood. Enjoying views to the forested peaks of the surrounding Sugar Loaf State Park, this 5-bedroom (each with en-suite bath) home places you minutes from world-famous wineries and area attractions. Constructed with green build elements in mind, the Retreat has been lovingly filled with reclaimed materials and the efficient features like an all house fan that pulls in cool night air greatly reducing Air Conditioning requirements. The house is 4,347 square feet with the grand room ceilings soaring to 20 feet, includes 5 bedrooms / 5 en-suite bathrooms, 2 fireplaces, chef’s kitchen, wine bar with temperature-controlled refrigeration, media/game room, lap pool with waterfall, 8-person hot tub, stone fire-pit, bocce court, extensive outdoor lounging and dining areas. Art Deco antiques abound with an informal ‘feet up’ level of comfort and ease throughout. The outdoor splendor merges with the indoors as endless windows bi-fold to open completely to the great outdoors. Numerous outdoor memorable gathering places include an outdoor fire-pit under a 150-foot-tall fir tree, place to dine or gather around a glowing fire, share stories and tall tales. At sunset, the hills of the state park radiate an unforgettable russet, an amazing display of pastels fill the sky, a choir of songbirds heralds the setting sun and the wine tastes even better… Idyllic in the summer, the house is uniquely fabulous in the winter, spring, and fall because of the great room and its massive fireplace. Rainy, cool days are a delight with friends or family gathering around the 20-foot tall Great Room, with the fireplace at one end and cooking in the vast professional kitchen at the other end. An adjacent 10-foot wine bar in the sun-room affords temperature-controlled refrigeration. When outdoor temperatures drop, there is radiant heat (under the oak flooring on the first floor) so one is more than comfortable in the high-ceiling spaces. When the rainy season starts, the nearby creek fills and rushes by, creating a surround sound experience like no other.

Discover this unique property featuring three separate homes on a single lot, each offering 1,204 square feet of thoughtfully designed living space. These 2-bedroom, 2-bath residences are perfect for multi-generational families, rental opportunities, or simply relishing the tranquil Delta lifestyle in the quaint town of Walnut Grove. Nestled in the heart of the community, this property combines small-town charm with easy access to Sacramento and the Bay Area. Whether you're seeking an investment opportunity or a flexible living setup, this is a property you won’t want to miss!

Just steps from the iconic San Ysidro Ranch and moments from the charm of the Upper Village, this distinguished single-level estate encompasses approximately 6,000± sq. ft. on 1.7 acres of exquisitely landscaped grounds. The home masterfully balances modern elegance with timeless allure, offering a living experience like no other. A grand entry opens to expansive living and formal dining areas, which seamlessly flow onto a covered patio equipped with an outdoor kitchen, BBQ, TV, and fire pit—perfect for refined yet effortless entertaining. The gourmet kitchen is a chef's dream, showcasing custom walnut cabinetry, onyx countertops, and top-tier appliances, all complemented by a spacious pantry. The estate also features three lavish bedroom suites, a state-of-the-art media room, a gym, an infrared sauna, and a well-appointed officeboth the gym and office are easily convertible into additional bedrooms. The lower level includes a tiled, extra-deep three-bay garage with a fourth bay, plus an estate manager's office with a bathroom. An equipment shed provides discreet storage for all outdoor necessities. The residence is equipped with a Savant Home system, offering full control over security cameras, lighting, climate, entertainment, custom shades, and drapes, elevating convenience to new heights. Outdoors, the backyard is a tranquil haven, featuring a refinished pool, spa, mature oaks, fruit trees, and multiple outdoor living spaces. The estate also includes a private well for irrigation, a backup generator, solar panels, a deluxe chicken coop, and a custom-built treehouse. A fully enclosed raised-bed garden brims with vegetables and herbs, while additional amenities include multiple fire pits, a bocce court, and ample space for a pickleball court, all nestled within the secure privacy of this gated retreat. Elegantly renovated, this estate redefines luxury livingmerging cutting-edge amenities with timeless sophistication in one of Montecito's most prestigious locations. It offers a sanctuary of unparalleled comfort, style, and quality for the discerning buyer.

Nestled amidst 7 sprawling acres is this 3 bedroom 2.5 bathroom enchanting quintessential farmhouse, a 2 bedroom 1 bathroom additional apartment, with a barn and an abundance of outbuildings. The property boasts a myriad of features tailored for both practicality & pleasure. As you arrive through the gated entry, you're greeted by the allure of a storybook setting. Step inside to discover a spacious layout with separate formal living, dining, and family rooms, each exuding its own distinct warmth and character. Don't miss the well-appointed kitchen, where a designated eating area invites you to savor meals by the crackling fireplace. Outdoors, the property unfolds into a haven of possibilities. The large barn stands ready to accommodate animals, while fencing & cross-fencing ensure both security and convenience for your livestock. Further enhancing the property's appeal are the outbuildings/workshop areas, providing ample space for hobbies/projects. Outside, meticulously tended garden areas & plantings grace the landscape including a pond. With its idyllic setting & timeless allure, this property promises a lifestyle of comfort & endless possibilities.

One or more photo(s) has been virtually staged. Don't wait for new construction but buy this fully upgraded, new and never-lived-in lakefront home instead. With over $55,000 in builder upgrades and under warranty, this is an incredible opportunity for new buyers. Major upgrades in this home include whole-home impact-rated windows and doors, a 2-foot extension on the garage with epoxy floors so your vehicles can fit, 8-foot doors throughout, gorgeous quartz countertops in the kitchen, and more. Buyers will fall in love with this Dream model, which offers three bedrooms each with a walk-in closet, plus a den with glass double-door entry. An open, split-bedroom floor plan is designed with privacy in mind and gives guests, owners and even those working or playing in the den some separation from the hustle and bustle of the activity in the main area of the home. In the great room, beautiful water views and natural light abound, while the fresh, neutral colors of the home offer the perfect blank slate for new owners. The open kitchen with island and space for eating offers a natural gas range, wonderful walk-in pantry with wood shelving, pull-out shelves and trash receptacle in the cabinets, under-cabinet LED lighting, and more. A large indoor laundry room featuring cabinetry, laundry tub with Corian counters, and shelving is in the hub of the home for convenience. A pavered driveway and covered back lanai, expert landscaping with sprinkler system and tile roof are all finishing touches on this ideal home. To appreciate all the details, please be sure to view the 3D tour and ask your REALTOR® for the features sheet with the full list of upgrades for this incredible home.

Come explore this expansive single-level home, perfectly situated in a sunny part of town, offering convenience and comfort for the whole family. Close to local amenities, parks, schools, and major freeways this home perfectly balances space, comfort, and functionality. With 4 bedrooms, 2 bathrooms and a versatile hobby room off the kitchen, it provides ample space for flexible living. Upon entry, youre greeted by a grand library-style room with high ceilings, towering wood shelves, and skylights that bathe the space in natural light. Classic hardwood floors run throughout the bedrooms, enhancing the homes warm, timeless appeal. The open living area flows seamlessly into a spacious backyard ideal for outdoor entertaining, gardening, or simply relaxing in the sun. The property also comes equipped with a fully paid-for solar system, offering significant energy savings. With its spacious 2000+ square feet layout, this property offers the ideal canvas for personal touches, allowing you to create a home that perfectly suits your style.

Discover this delightful Pacific Grove home featuring a most versatile floor plan. This home could easily be a 2 bedroom with the addition of a simple door off one room which already has a closet and windows. Property offers a spacious feel despite its size. Highlights include beautiful cherry wood floors, rich built in bookcases, a lovely archway, and granite countertops in the kitchen plus a gas stove. You'll find built-in cabinetry in the hallway and primary bedroom, adding to the home's charm. Additionally, the property boasts a one-car garage and convenient laundry facilities. The backyard is notably spacious, with plenty of room for gardens. There is ample room for expansion subject to city and building department regulations and water availability. There may be potential for an Accessory Dwelling Unit (ADU); buyers are encouraged to verify these possibilities.Don't let this opportunity get away!

For the sophisticated romantics, this below market price, private wellness compound is tucked away in idyllic lower BHPO. A fully gated, rare, 19,000+ sq ft peninsula property offering 180-degree panoramic views and magnificent sunsets from Coldwater Canyon to the city to the glimmering coast of the Pacific Ocean. Beyond the oversized double front doors, the large loft like living space is open and airy, flooded with natural light and graced by a cool breeze rolling in off the canyon. Soaring wood-beamed ceilings and large picture windows create an inviting ambience, ideal for relaxation and perfectly suited for entertaining. Enjoy hosting dinners under the soaring cathedral like ceilings and oversized picture window, which looks out towards the Tuscany like views of $10+ million celebrity homes. The living room is appointed with a wood burning fireplace, a cozy recessed seating nook and French doors, which lead to a wraparound terrace. The kitchen boasts both form and function, including stainless steel Subzero refrigerator and Viking appliances, an abundance of storage space in the intelligently designed Italian cabinetry and center island. The kitchen flows into the cozy den with the second fireplace; a great spot for morning coffee on chilly winter mornings, cuddling up with a book, or an intimate chat with a friend. Down the hall and tucked away from the public spaces, this floor features a newly remodeled bedroom suite, with a fully appointed designer bathroom. The main level seamlessly flows out to the completely reimagined outdoor space. Designed with an emphasis on health, wellness and pure indulgence, the clean and bright Semco and teak deck features several seating & lounging areas, a refinished pebble bottom pool and jacuzzi tub which is perfect for entertaining guests while soaking in the breathtaking scenery. Outdoor amenities include two automated wind-sensorsed sunshade awnings, automated lighting, and terraced hardscaping beyond the deck (perfect for a South facing vegetable garden). Access the private lower living areas via either, the primary suite lower deck, or the generous main staircase. There you will find three more spacious bedrooms. The primary offers a walk-in closet, and a spa-like bathroom complete with a private sun-soaked deck, with direct access to the pool. Two additional large bedrooms and full bath will be found down a gracious wide hallway (perfect for adding a wine cellar or showing your art collection) and offering a private entry for guests. With its unparalleled amenities, mesmerizing views, and serene surroundings, this exquisite residence offers the convenience of being mere moments away from the vibrant allure of Beverly Hills, Sunset Strip, and Studio City. New reduced price offers a truly exceptional value, priced below recent comps! Seller invested well in excess of $500,000 on extensive upgrades including all new deck, pool, extensive hardscaping, ensuite bathroom remodel, flooring, roof, paint, electrical, structural reinforcement & more. A rare opportunity to make this extraordinary canyon retreat into more than just a lifestyle, but a true home! Contact Agent regarding possible Lease opportunity

Beautifully restored Spanish Revival gem in vibrant & historical La Fayette Sq. (HPOZ)This four bedroom, three bath home features an abundance of architectural features, including a porte-cochere, a welcoming foyer with an original stained glass window, barrel ceilings in the formal living and dining rooms, original arched windows allowing plenty of natural light, a stunning fireplace that takes command of the space, original hardwood flooring through-out, arches and pocket doors and one of a kind custom sconces. The formal dining room is large enough to hold special events and/or a formal gathering. The kitchen was totally transformed into a chef's dream with a Mid Century vibe with a huge island, an adjacent breakfast retreat and quartz countertops as well as Dacor appliances. There is a multi-purpose den/bedroom on the first level with a 3/4 bath and large closet. The second level features a spacious landing and three additional bedrooms including a delicious primary bedroom with a huge dressing area closet/sitting room and a spa-like bath with dual vanities and an inviting tub and separate shower stall. The outdoor space has plenty of privacy and room to relax and create your private oasis. The front and rear yards have a California native theme for easy maintenance. Updated systems including plumbing and electrical. A detached two car garage completes this gem. Seller to do a 1031 exchange.

Welcome to your new home at 15 Eucalyptus, Irvine! This charming 2-bedroom, 2-bath home with a loft offers the perfect blend of comfort and convenience. Nestled in the desirable University Park Terrace community, this residence boasts a spacious master bedroom complete with a walk-in closet and a luxurious walk-in shower. Step outside to your private, beautifully landscaped patio – an ideal spot for relaxing or entertaining. The community amenities are just a short stroll away, including a sparkling pool, rejuvenating spa, and a lovely park. Located in a prime area, this home is close to shopping centers, convenient transportation options, and the prestigious University of California, Irvine (UCI). Experience the best of Irvine living in this well-appointed home!

Less than a block from the sand in Southwest San Clemente you will find this turnkey and move in ready ocean view home sitting on an oversized lot. Located on Avenida Montalvo, affectionately referred to by locals as “the loop”, the home abuts the super popular Riviera District via a serene coastal canyon. Be prepared to be serenaded by the sounds of the ocean thanks to the acoustics of the tropical canyon below. Upgraded exterior included new board and batten siding, fresh paint, limestone chimney and fresh landscaping with seating around fire pit. Highlights inside include all new kitchen with Café induction oven range, dishwasher and refrigerator. Three quarter inch oak wood floors compliment the homes modern beach vibes to perfection. Plumbing replaced upstairs and downstairs (main level bathroom original). New lighting and electrical as well as new sump pump. Outdoor hookups for Sauna and Jacuzzi as well as solar. Quick walk down to San Clemente`s best beaches, ride your bike to trestles in less than 10 min or take to the ever popular beach trail down to the pier. Short golf cart rides to downtown San Clements bustling new restaurants and breweries. This is the one you have been waiting for!

Located in Talega's Stella Mare tract on an extra wide homesite within a cul-de-sac, this executive residence boasts 5 bedrooms, including a main floor suite and a spacious upstairs loft. The desirable floorplan offers a formal living room with a cozy fireplace, a formal dining room seamlessly connected to an enclosed courtyard with its own fireplace, and a serene side yard perfect for outdoor seating amidst mature landscaping. The heart of the home features an open-concept kitchen and family room with a breakfast nook. Recently refurbished, the kitchen showcases elegant Montreal quartz countertops, a herringbone backsplash, and rattan bell pendant lighting. It includes a sit-down center island, a KitchenAid appliance package with a 6-burner cooktop, built-in refrigerator, double oven, dishwasher, and microwave. A butler's pantry provides additional storage and a walk-in pantry. The spacious family room, with numerous picture windows, is complete with a stacked stone fireplace and built-in audio-video storage. Upstairs, an oversized loft serves as an ideal media center, surrounded by three guest bedrooms. Two bedrooms, currently used as offices, share a dual-sink Jack-and-Jill bathroom, while the other guest bedroom enjoys an ensuite bathroom. The primary suite offers panoramic views of the surrounding hills and trees, a private balcony, and a recently updated bathroom with white shaker cabinetry, his and her vanities, a soaking tub, a walk-in shower, and an oversized walk-in closet. Also on this level is a laundry room with a utility sink. The exterior is enhanced with interlocking pavers, high-quality artificial turf, and mature plants, creating a soothing, tranquil environment. Additional features include a whole-house re-pipe, a 3-car garage with storage and epoxy-finished floors, and a leased water softener and reverse osmosis system. The home is walking distance to Tierra Grande Swim Center and the Red Barn Sports Park, and a short distance to Talega's championship golf course, the Talega trailhead, and the Talega Swim & Athletic Club, and just minutes from San Clemente's beaches and pier.

Located in the highly desirable Belwood Neighborhood and just minutes from the Belwood Swim Club, Belgatos Park, and scenic walking and hiking trails in the Heintz open space, this lovely property is set against the backdrop of the foothills. The paver pathway passes through the lush front garden, a delightful blend of flowering plants and variegated shrubbery. Inside, hardwood floors flow seamlessly through the main living spaces. Enjoy the large picture windows in the living room framing views of the front landscape. At the heart of the home is the gourmet kitchen featuring expansive granite countertops, Kitchenaid stainless steel appliances, a convenient breakfast bar and a spacious pantry. The adjacent dining area opens to the rear yard. A generous pergola provides a shaded area on the brick patio which is accessed through elegant French doors, offering a seamless connection between indoor and outdoor living—perfect for dining al fresco. The family room features a built-in entertainment console with ample space for storage and areas for display. Large sliding doors open to the rear yard and spacious stone patio and built-in BBQ area. Additionally, a versatile home office, complete with a built-in workstation and shelving for storage, offers a quiet space with convenient access to the nearby full bathroom. Upstairs, there are five well-appointed bedrooms, including a lovely primary suite. A peaceful retreat, the primary enjoys a balcony overlooking the front landscape and two walk-in closets with custom organizers. The well appointed bathroom features dual sinks on the large vanity with granite counter and a beautifully tiled stall shower. The four additional bedrooms share the hall bath. The rear yard is a tranquil haven, designed for relaxation and outdoor entertaining. Lovely patios offer charming areas for dining or lounging bordered by a healthy lawn area and mature hedges and trees, providing both privacy and repose. A corner hammock is a great place for an afternoon snooze under the shade of a dedicated trellis. The gas-plumbed Turbo Elite BBQ promises a memorable outdoor cooking experience. There is also a large paved side yard with double gate entry for easy access. With its prime location near excellent public and private schools, convenient shopping, and easy freeway access, this property offers the perfect blend of convenience and charm, just minutes from downtown Los Gatos.

In the prestigious enclave of Shady Canyon, 11 Spike Moss stands as the undeniable crown jewel of the community. This magnificent estate spans 17,660 square feet on a rare 1.33-acre blufftop lot, the largest single lot in the enclave. The residence’s exterior is a masterful display of timeless design with Romanesque thick stone walls and reclaimed Tuscan terra cotta brick and roof tiles, while the estate’s pièce de résistance is the awe-inspiring operating 35-foot stone bell tower, crowned with an exquisite Italian bronze bell. Entering the estate through its gated driveway sends one back in time. Upon entering the grand foyer, the sense of another era remains, as you are greeted with soaring fresco-painted ceilings and an opulent Carrera marble stairway that ascends to the private primary suite. The assembly room, with its soaring ceilings and grand fireplace, sets the stage for sublime gatherings as it melds with the dining room's 20-person antique table and authentic main chef’s kitchen and secondary catering kitchen. The primary suite is an inviting and restful retreat, featuring a reclaimed Tuscan fireplace, a hand-carved stone bathtub, and a private fitness suite. The separate family wing ensures comfort and privacy with four additional bedrooms, four bathrooms, and a private kitchenette. The lower level is an unparalleled realm of entertainment and leisure, transporting you back in time with each step down the stone and brick-clad stairway. Emotions strengthen as you enter a subterranean world with brick-clad walls and groin vault ceilings, and a wine tasting room. Adjacent is the Tuscan cistern-style game room, illuminated by a glass skylight, same as the wine tasting room and the 2,500-bottle wine cellar. A 150-inch screen theater and performance stage delivers an immersive entertainment experience, while the Taverna, with a stylish bar, epitomizes refined relaxation. Outdoor entertainment options are not ignored with a 48-foot infinity pool and private spa, offering a sunny sanctuary of unparalleled peace and indulgence. The meticulously curated grounds feature a full-size bocce ball court, a pizza oven, and a cozy fire pit, all surrounded by manicured landscapes. A professional workshop, three-car garage and six-car “auto barn”, bookend the entry courtyard. Located within minutes of the best beaches, dining, shopping, top schools, and transportation hubs, this estate is a statement of unparalleled style embodying the pinnacle of refined living.

Timelessly remodeled top story unit available for the first time in 20 years. This gorgeous unit has one of the most flexible floor plans in the Tavern Inn complex of Olympic Valley. Light, bright and cheery, this rare end unit is spectacularly positioned with wonderful morning sunrises and warm western sunsets from the patio. Flexible floor plan with a primary suite with walk in closet and bath with heated floor, and intimate upper and enclosed sleeping loft with closet. This savvy and eclectic design is suited for a group of friends or is perfect for the ski family looking for their entry into the Olympic Valley market. Area Description: Located 12 miles of interstate 80 in the heart of Olympic Valley, just minutes from the world class skiing at Palisades Tahoe, in the iconic townhouse developments known as Tavern Inn. Centrally located between Tahoe City and Truckee, offering superb biking, hiking and floating along the Truckee River, and endless opportunities for your recreation dreams.

Upgraded and enhanced in 2022, this beautifully remodeled, one level home is exactly what you’ve been waiting for! Set back off the street, the open floor plan is complimented by striking wood floors, high ceilings and oversized picture windows. A dual sided fireplace gently divides the Great room, and the adjacent dining room is the perfect spot to enjoy a meal. Functionality meets design in the gourmet kitchen, where Caesarstone quartz countertops, shaker cabinets and stainless steel appliances create a sleek, yet elegant atmosphere. French Doors provide access to the inviting backyard where the covered patio with fire pit overlooks a large grassy lawn. The bedroom wing includes a spacious Primary Suite, which enjoys a luxurious, remodeled bathroom and walk-in closet. At the end of the hall, the fourth bedroom is currently being used as a bonus Family Room”, as it is oversized and opens to the backyard. Move-in ready is an understatement... a newly renovated garage, fresh paint inside and out, air conditioning and a state-of-the-art security system with seven cameras and comprehensive window and door sensors are just a few of the amenities. Located in the desirable Mira Catalina area, residents enjoy close proximity to elementary and middle schools, as well as UCLA’s South Bay campus and convenient freeway access.

**PROPERTY HAS AN ELEVATOR** Perched in one of the most coveted locations on the hill, this impeccably maintained residence is nestled along the charming Pepper Tree Lane in Rolling Hills Estates. Welcome to 8 Pepper Tree, a warm and inviting three-bedroom home where every bedroom features its own private en-suite bathroom, ensuring comfort and privacy for all. The master suite is generously sized, offering a spacious en-suite bath and a walk-in closet. On the main floor, the open-concept living space seamlessly connects the kitchen, dining area, and expansive living room, creating an ideal setting for entertaining or cozy movie nights by the gas fireplace with surround sound. A rare feature, the home includes a convenient elevator, perfect for ease of access throughout. The attached two-car garage provides direct entry to the kitchen, adding to the home’s thoughtful design. Step outside to the backyard, where you'll find the perfect outdoor retreat complete with a built-in fireplace and outdoor kitchen—ideal for hosting gatherings or simply enjoying the tranquility of this low-maintenance oasis. This home offers the perfect blend of comfort, convenience, and stress-free living. ***Seller's loan is potentially assumable with an extremely low rate, buyer would need to qualify***