Spacious 6 bed, 3.5 bath Litchfield Park home offering flexible living with a rare dual primary-style layout. Downstairs primary features tile flooring & a spa-style bath with jetted tub & separate shower. All tile main level. Kitchen includes a gas cooktop & newer Whirlpool appliances (2025) & opens to a private side courtyard with gated access & a gas-line-connected Weber grill. Upstairs, an almost sound proof fully private second primary suite sits behind a door off the loft with a sitting or office area, large bedroom, & private bath. Fresh interior paint, two York AC units (2022, 2023), gas tankless water heater, & water softener (2025). All appliances convey. Ideal for families, multigenerational living, or work-from-home needs near parks, schools, dining, & freeways. Welcome Home! Addition Information: This 6-bedroom, 3.5-bath home in Litchfield Park offers a rare combination of space, privacy, and flexibility with a highly desirable dual primary-style layout. Thoughtfully designed for multigenerational living, large households, or work-from-home needs, the home provides multiple private living zones while maintaining a cohesive flow. The downstairs primary bedroom features tile flooring and convenient access to a spacious primary bathroom with a jetted soaking tub, separate shower, and built-in cabinetry. Tile flooring extends throughout the entire main level, enhancing durability and ease of maintenance. The kitchen is equipped with a gas cooktop and newer Whirlpool appliances (2025) and opens directly to a private, gated side courtyard, creating a seamless indoor-outdoor living and dining space. The courtyard includes a gas-line-connected Weber grill, making it functional for everyday use as well as entertaining. Upstairs, a fully private second primary suite is separated from the loft by a door, creating a quiet retreat that feels tucked away from the rest of the home. This suite includes a flexible sitting or office area, a large bedroom, and a private bathroom with a shower, offering excellent separation for guests, extended family, or a dedicated workspace. Recent updates include fresh interior paint, two York AC units installed in 2022 and 2023, a gas tankless water heater, and a water softener added in 2025. All appliances convey, adding immediate value and convenience. The home is located near campuses within the Litchfield Elementary School District and Agua Fria Union High School District, with elementary and middle school options generally within approximately 1-2 miles and high school options within roughly 3 miles, providing flexibility for a range of household needs. Residents enjoy proximity to neighborhood parks, green spaces, and walking paths, supporting an active outdoor lifestyle. Shopping, services, and a variety of locally owned restaurants and cafés are conveniently located along nearby corridors, offering casual dining, takeout, and sit-down options without long drives. Entertainment, dining, and events are easily accessible at Westgate Entertainment District, while nearby access to Loop 303 and Interstate 10 provides efficient connectivity throughout the West Valley and greater Phoenix metro area. With its dual primary layout, private courtyard, gas cooktop kitchen, proximity to schools, parks, dining, entertainment, and major roadways, this home delivers everyday comfort, lifestyle appeal, and strong long-term livability.
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.
