Welcome home to this stunning Magnolia model located on the golf course in the highly sought-after 55+ community of Sun City by Del Webb in Apple Valley. Enjoy breathtaking views of the fairway and surrounding mountains from this beautifully upgraded home filled with character and country charm. Inside, you'll find wood flooring throughout, offering both durability and easy maintenance. The kitchen is the heart of the home, and features upgraded granite countertops, a custom copper sink with a modern faucet, stainless steel appliances, unique pendant lighting, and wood-toned plantation shutters(throughout). The open layout makes it perfect for everyday living and entertaining. This split floor plan offers privacy and functionality. The oversized primary suite enjoys golf-course views and includes a spacious ensuite bathroom with a dual-sink vanity, soaking tub, walk-in shower, private water closet, and large walk-in closet. On the opposite side of the home, you'll find a flex room/den that can easily serve as an office, craft room, or potential third bedroom, along with a spacious secondary bedroom with a walk-in closet. The living room is warm and inviting, highlighted by a distinctive copper-and-alder-wood fireplace with a raised hearth and built-in sconce lighting, creating the perfect cozy gathering space. The private front courtyard is ideal for al fresco dining and truly feels like an extension of the kitchen—perfect for hosting family and friends. Relax on the covered backyard patio while enjoying golf course views. The professionally sealed flagstone surface and low-maintenance planters with drip irrigation create an outdoor space that is both beautiful and easy to care for. Some of the additional upgrades include a custom-finished garage with built-in storage and custom interior paint. Bonus... on the sides of the home, you have a dog run with wrought-iron fencing and a small storage shed. With many more thoughtful upgrades throughout, this home is truly a must-see to appreciate everything it offers. Located in the vibrant Sun City Del Webb community, residents enjoy two clubhouses, pools, golf, and numerous amenities. Conveniently situated near shopping, dining, entertainment, and medical facilities. Come experience the views and charm of this exceptional golf course home.
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.
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.
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.
When assuming the existing mortgage as part of a home purchase, the buyer has to cover the seller’s equity in the home. The seller’s equity is the purchase price minus the remaining mortgage balance. This amount must be covered in full through an all-cash down payment or by taking out a second mortgage.
Yes. Non-veterans can assume a VA loan, provided they meet the lender’s VA criteria. When a qualified buyer assumes a VA mortgage from a veteran or active-duty service member, the seller’s VA loan entitlement remains tied to the assumed loan until the buyer pays off or refinances the loan. This process restores the veteran seller’s entitlement, enabling them to use their VA benefit for a future home purchase.
Yes. All FHA loans are assumable by law as long as the buyer meets the FHA’s credit, income, and qualification requirements and obtain lender approval before assuming the loan (per FHA regulations effected December 15, 1989). Roam makes this process simple for buyers.
Generally, conventional loans are not assumable. In rare cases, a conventional loan may be assumable with lender approval. Use our search tool to find homes with assumable low-rate loans, or reach out to us if you’d like to confirm a specific home’s assumability.
