Welcome to your dream retreat in Trilogy at Vistancia! This rare three bedroom Montage Model offers 2,384 square feet of luxury living with upgrades that rival a model home. Move-in ready and able to accommodate a short close, this three bedroom residence features wood look tile flooring throughout, plantation shutters, and an open great room that flows to an extended patio with electric blinds. The gourmet kitchen includes a gas cooktop, stainless appliances, custom cabinetry, and smart storage solutions. Two private primary suites feature upgraded tiled showers, while a third bedroom and full bath add flexibility for guests. A versatile flex area is perfect for an office, craft room, or additional living space. Outdoors, enjoy a backyard designed for entertaining with a built-in BBQ, TV hookup, ceiling fans, extended pavers, and a cozy fire pitperfect for relaxing and taking in scenic Arizona sunsets. Sellers also have virtual images from a pool company with proposed virtual pictures for a pool, spa, and integrated fire pit,ideal inspiration for creating your own backyard oasis. Additional highlights include an epoxy coated garage floor with cabinets, plus a paver driveway and walkway that enhance curb appeal. Community Perks: Trilogy at Vistancia is a premier 55+ resort community featuring two clubhouses, Mita and Kiva, with pools, fitness centers, tennis and pickleball courts, spa services, and miles of scenic walking and biking trails. The Gary Panks-designed Trilogy Golf Course is a 7,300-yard, 18-hole championship daily-fee course and practice facilityan absolute highlight for golf enthusiasts. Tours of the club houses are available upon request. This beautifully maintained home is ready for immediate enjoyment,perfect for year-round living or as a lock-and-leave retreat.
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.
