Welcome home to this beautifully maintained single-story in the highly sought-after Mulberry community of Mesa, where charm, convenience, and low-maintenance living come together. Built less than 9 years ago, this 3 bedroom, 2 bath home offers thoughtful upgrades and pride of ownership throughout. Step inside to find tile flooring throughout the main living areas, plush carpet in the bedrooms, and shutters that add both style and function. The home was freshly painted in November 2025, and the AC has been professionally maintained annually for peace of mind. The kitchen features granite countertops, ample cabinetry, and a new refrigerator purchased in 2025 that conveys. Enjoy a spacious primary suite with a dual sink vanity, separate soaking tub, and walk-in shower. The laundry room is a standout with extra cabinetry, a folding countertop, and a separate linen/storage closet. Additional upgrades include: Owned ADT security system, Security screen door allowing fresh air while keeping the home secure, Water softener system installed in 2025, RO system, Leased solar panels at $151/month, New water heater (2024), New garage door (Nov 2025), Epoxy garage floors with two overhead storage racks, Permanent exterior holiday lighting with customizable colors, Sunshades on exterior windows, EV Plug. Outside, enjoy a cute covered front porch and a paver driveway and entry that add curb appeal. The backyard is designed for easy living with turf, pavers, and a pergola. Just add your outdoor furniture, grill, and fire pit to make it your own. Both front and back yards are extremely low maintenance. The Mulberry community offers pickleball and tennis courts, a resort-style pool and spa, clubhouse with fitness center, walking and biking paths, playgrounds, and more. Conveniently located near schools, shopping, dining, and freeway access, this home checks all the boxes for comfort, style, and location. A truly move-in ready home in one of Mesa's most charming communities.
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.
