Tucked into Foothills Reserve, one of Ahwatukee's most coveted enclaves, this one-owner, 4-bedroom + den/office, 3.5-bath home has been loved, upgraded, and meticulously cared for since day one. Enjoy South Mountain views, premium finishes, and thoughtful improvements throughout that deliver true move-in-ready peace of mind. Recent big-ticket updates are complete: dual Trane HVAC systems (2023) and a new water softener and reverse osmosis system (2026). A mature shade tree and flagstone walkway lead to an inviting front entry. Inside, soaring ceilings and a mix of rich wood and tile flooring set the tone. The formal great room centers on a cozy fireplace, with a light-filled atrium creating a sophisticated transition between the living and dining spaces. Designed for both everyday living and entertaining, the chef's kitchen is a standout feature with quartz countertops, rich wood cabinetry, a large center island with a pot rack and integrated lighting, a no-touch sink, a reverse osmosis drinking water system, and above-cabinet accent lighting. Premium Monogram appliances include a paneled refrigerator, an induction cooktop with a custom hood, a convection microwave, a dishwasher, and more. The kitchen opens seamlessly into the spacious family room, where stacked-stone accents and custom-built-in shelving create a warm, upscale gathering space. An elegant powder bath with designer lighting is conveniently located nearby. The flexible floor plan offers a downstairs bedroom plus office space connected by a Jack-and-Jill bath, ideal for guests, multigenerational living, or work-from-home needs. Upstairs, the private primary suite is a true retreat with its own balcony overlooking the mountains, perfect for morning coffee or evening sunsets. The spa-style bath features dual vanities, a soaking tub with a chandelier, an oversized walk-in shower, a private water closet, a seated makeup vanity, and a large custom walk-in closet with built-ins. Just off the primary suite is an additional den/office that could easily be converted into another bedroom or nursery. Two more upstairs bedrooms offer generous storage and access to a full bath. Sliding glass doors open to an entertainer's backyard with South Mountain as the backdrop. The outdoor chef's kitchen includes a built-in BBQ, wine fridge, burners, and warming drawer, and a covered seating area with a fireplace and ceiling fans makes it comfortable for year-round Arizona living. Additional features include a 2-car garage, an indoor laundry room with built-in cabinetry, an electric vehicle charging station, and a Bose surround sound system. Minutes from South Mountain Preserve, with immediate access to miles of hiking and biking trails, top-rated golf, shopping, dining, and freeway access. Turnkey homes of this caliber in Foothills Reserve don't come up often.
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.
