Discover the ultimate luxury home in the prestigious Ahwatukee Foothills, Phoenix, AZ—a one-of-a-kind property surrounded by breathtaking mountain views that offers the perfect blend of elegance, entertainment, and outdoor living. This stunning Ahwatukee Foothills home boasts an exceptional backyard oasis designed for year-round enjoyment: a heated Pebble Tec pool with a captivating spill-over spa, low-maintenance artificial turf, an expansive covered patio, a cozy outdoor fireplace conversation area, and a built-in BBQ with countertops — ideal for hosting gatherings or relaxing in style. Step inside to a gourmet kitchen featuring raised panel cabinets, a massive slab granite island and countertops, modern new lighting, and seamless flow to the living room and spacious eat-in area. A large walk-in pantry plus a butler's pantry (perfect as a coffee or wine bar) add convenience and sophistication. High ceilings, refined finishes, and thoughtful details elevate every room. The main floor includes a versatile entertainment room with a custom bar, a cozy den, and a large private guest suite with direct patio access. A grand staircase leads upstairs to an expansive loft/living area and three additional bedrooms. The oversized master suite is a true retreat, complete with a large sitting area, private balcony access for those incredible mountain views, a luxurious bathroom, and an enormous walk-in closet. The interior and exterior were freshly painted this month, ensuring a move-in ready feel. Enjoy panoramic vistas from the rooftop deck perfect for stargazing or soaking in the stunning mountain views. Located in the highly desirable Ahwatukee Foothills neighborhood, this home offers easy access to hiking and biking trails right outside your door, combining luxury living with an active Arizona lifestyle. Don't miss this rare opportunity to own a premium Phoenix luxury home with pool, mountain views, and resort-style amenities in one of Ahwatukee's most sought-after areas! Ideal for those searching homes for sale in Ahwatukee Foothills with premium features.
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.
