Beautifully UPDATED and MOVE-IN READY, this spacious 4 BEDROOM, 3 FULL BATH home features a highly desirable OPEN-CONCEPT FLOOR PLAN, NEW QUARTZ COUNTERTOPS, NEW STAINLESS STEEL APPLIANCES, fresh interior paint, and WOOD-LOOK VINYL PLANK FLOORING throughout. Major improvements include a NEWER HVAC SYSTEM (2023), updated lighting and ceiling fans, and extensive indoor and outdoor upgrades that provide both style and peace of mind. The thoughtfully designed layout offers generous living spaces filled with natural light, making the home ideal for both everyday living and entertaining. At the center of the home, the beautifully refreshed kitchen showcases quartz countertops, stainless steel appliances including a gas range and microwave, newer dishwasher and refrigerator, updated sink and faucet, abundant cabinetry, and excellent workspace for gathering with family and friends. The spacious primary suite offers a relaxing retreat, while three additional bedrooms and two full guest bathrooms provide flexibility for family, guests, multigenerational living, or work-from-home needs. Step outside and enjoy the LOW-MAINTENANCE BACKYARD featuring artificial turf, extensive pavers, an extended covered patio, upgraded irrigation system, and a convenient doggy door. Both the front and backyard have been thoughtfully landscaped for easy upkeep and year-round Arizona enjoyment. Additional upgrades include EXTERIOR PAINT (2025), fresh interior paint, whole-house water filtration and softener system, reverse osmosis drinking water system, new front security door, updated bathroom faucets and showerheads, ceiling-mounted garage storage racks, NEW GARAGE DOOR OPENER (2023), and upgraded PVC and drip irrigation system. With 4 BEDROOMS, 3 FULL BATHROOMS, extensive recent upgrades, low-maintenance landscaping, and true turnkey condition, this home offers an exceptional combination of comfort, functionality, and value. The community of Vistancia is a master-planned development that includes beautiful homes, parks, pools & hiking trails, award winning community centers & golf courses, commercial & retail shops, along with incredible rolling hills & desert landscape all around! The future 320-acre 5 North at Vistancia commercial core is coming soon, home to the new ALA K-12 charter school. Vistancia has ranked as the #1 Master Planned Community in AZ for 13 years in a row (2013-2025)! Resort-style living at its best. Come & see why!
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.
