This property qualifies for our CRA(Community Investment Act), which provides to the borrower a 1.75% lender credit to help with closing costs or to buy down rate.The moment you enter this beautifully maintained southwestern bungalow, the home feels calm and peaceful. Gleaming wood floors throughout the living areas, bedrooms, and hallway. Newer double-pane windows bring in natural light and support comfort throughout the year. The kitchen is practical, with generous cabinet storage and a window above the sink that showcases the back patio and backyard. A full laundry room adds storage and everyday convenience. Three bedrooms and one full bathroom, along with several important updates. A tankless water heater provides on-demand hot water. The electrical panel has been upgraded