BEST HOME ON TOUR!!! Immaculate, Fully Remodeled Home is Waiting for You! Welcome to Oasis at The Foothills ~ Where Luxury Upgrades Meet Golf Course Living! Perfectly positioned on the 13th hole, this fully updated 4-bedroom, 2-bath home offers breathtaking mountain and fairway views with no detail overlooked. Extensively remodeled and improved from top to bottom, this property blends style, function, and long-term peace of mind. Inside, vaulted ceilings and abundant natural light highlight the desirable open layout. The entire home features wood-look tile flooring, 4'' Craftsman baseboards, two-tone interior paint, updated LED lighting, ceiling fans, new AC register covers, oil-rubbed bronze hinges and hardware, and wall-mounted TV electrical in every room. The living space is anchored by a cozy fireplace with upgraded tile and wired-in home theater speakers plus a custom media cabinet with hidden WiFi router for a clean, modern look. The chef-style kitchen is truly the heart of the home, showcasing custom cabinetry, granite countertops, a cast iron apron-front sink, black stainless steel appliances, tile backsplash, staggered creamy cabinets, and a custom walk-in pantry with additional cabinetry and butcher block counters. The spacious primary suite features private backyard access and a beautifully upgraded ensuite complete with floating custom cabinets, dual vessel sinks, oil-rubbed bronze fixtures, and a subway tile shower surround. Major Upgrades Provide Incredible Value and Efficiency: New roof (2021) 5 ton AC unit with UV air purifier & lifetime filters (2025) WiFi-enabled water heater (2023) Water main replacement from home to city box (2021) Step outside to enjoy the extended concrete patio, lush lawn, three mature Ficus trees, coyote-proof dog run, full solar screens on every window, metal gutters with oversized downspouts, concrete driveway extension, front walkway addition, property line curbing, and fresh exterior paint. The garage features epoxy floors for a clean, finished look. Ideally located just minutes from the Loop 202 Freeway, scenic parks, hiking and biking trails, dining, shopping, and everyday conveniences -- this home offers the perfect blend of privacy, accessibility, and lifestyle. With golf course frontage, mountain views, extensive structural upgrades, and designer finishes throughout, this is a rare opportunity to own a truly turnkey home in one of Ahwatukee's most desirable communities. This is not just updated -- it's upgraded in every way.
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.
