This stunning residence in the highly sought-after Marley Park community of Surprise, AZ, offers luxurious modern living in one of the area's most desirable master-planned neighborhoods. Nestled amid tree-lined streets, over 140 acres of parks and open space, themed playgrounds, walking paths, and community amenities that foster a vibrant, friendly atmosphere. This home delivers exceptional curb appeal and sophisticated upgrades throughout.Spanning an impressive 3,880 square feet, this two-story gem features 5 spacious bedrooms, 3.5 baths, and a 3-car garage--perfect for growing families or those who love to entertain. Step inside to discover a gorgeous chef's kitchen designed for both style and function: sleek quartz countertops, premium stainless steel appliances, a large central island for casual dining and prep, abundant upgraded white cabinetry, a convenient walk-in pantry, and beautiful wood-like ceramic tile flooring that flows seamlessly throughout the main level. Custom shutters add elegant finishing touches. The main floor includes a versatile guest bedroom with an adjacent half bath, ideal for visitors or multi-generational living. Upstairs, retreat to the expansive master suite--a true sanctuary with generous space, an oversized walk-in closet, and a spa-like master bathroom boasting dual sinks, a deep soaking tub, and a separate walk-in shower. Two additional bedrooms share a convenient Jack-and-Jill bathroom, while the remaining bedroom offers flexibility. A massive game room/loft provides endless possibilities for play, media, or hobbies, and a cozy reading room opens directly to a huge front balcony--perfect for morning coffee with views of the neighborhood. Outside, the backyard is an entertainer's dream: a heated Pebble Tec play pool sparkles under the Arizona sun, surrounded by low-maintenance synthetic grass areas and extensive beautiful travertine pavers. A charming pergola connects to the covered patio and is thoughtfully plumbed for a waterfall feature, creating a serene oasis for relaxation or gatherings. Energy efficiency reaches new heights with a fully paid-off solar panel system--no leases or loans to assume! This owned solar setup harnesses Arizona's abundant sunshine to dramatically reduce (or even eliminate) monthly electric bills, while adding significant value to the home and offering eco-friendly, sustainable living without ongoing payments. The home also features rain gutters with French drains, providing excellent water management and peace of mind during monsoon season. The 3-car garage is just as impressive, featuring durable epoxy flooring and abundant lighting for a clean, organized space that matches the home's high-end feel. Located in the community-focused Marley Park--known for its abundant parks, pools, splash pads, and neighborly vibe--this home combines luxury upgrades with an unbeatable lifestyle. This home is also right around the corner from the highly sought-after Legacy Traditional School, a top-rated tuition-free K-8 charter school. Don't miss this rare opportunity!
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.
