Step into this stunningly remodeled home where thoughtful design meets modern comfort. Fantastic end unit overlooking the lush greenbelt. Beautiful wood floors flow throughout, creating a warm and elegant feel in every room. The gourmet kitchen is a true showstopper, featuring brand-new cabinetry, sleek quartz countertops, tile backsplash, a new induction range, and stainless steel appliances—perfect for everyday living and entertaining alike. A charming butler's pantry and bar area with a second sink adds extra convenience and style. Both bathrooms have been luxuriously updated with walk-in showers, offering a spa-like experience at home. Enjoy peace of mind with brand-new Andersen doors and windows, complete with a lifetime warranty. The bright... sunroom is a delightful bonus space which overlooks a private courtyard. Sunroom features a brand-new split unit and an epoxy floorideal for relaxing, working, or enjoying Arizona sunshine year-round. Enjoy the convenience of single level living with no steps. Additional upgrades include recessed lighting, fresh interior paint, new electric panel, and motion-sensor closet lighting. Conveniently located near the Lakes Recreation Center, Park & Lake & the Bowling Alley. Close to the Hospital & Medical Centers! Welcome to the Active 55+ Adult Golf Community of Sun City! The Original Fun City! Sun City offers many amenities & low taxes! 7 Rec Centers with swimming pools, lap pools, walking pools, hot tubs and every activity, work shop, & craft you can think of! Bowling! Pickleball! Shuffle Board! Pool Tables! Darts! Tennis! Mini Golf! Lake Activities! Nine public golf courses and reduced prices with rec card. Close to shopping, restaurants & entertainment! Close to Spring Training baseball fields. Close to Arrowhead Mall, Lake Pleasant and all of it's growing amenities & restaurants nearby! Close to Grand Ave access & 101 access! The list goes on & on! This one has THE WOW FACTOR and feels like a brand new model home!
13625 N 111th Ave, Sun City, AZ 85351
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.
