Welcome to this beautifully maintained villa on a desirable corner lot in PebbleCreek, Goodyear's premier 55+ active adult resort community. Perfect as a full-time residence or ideal lock-and-leave retreat, this home offers effortless living with exceptional indoor-outdoor spaces designed for relaxing, entertaining, and enjoying the PebbleCreek lifestyle. From the moment you step through the sparkling leaded-glass front door, you'll notice the elegant inlaid tile entry and upgraded tile flooring throughout the entire home--no carpet. The open living space flows seamlessly into a designer kitchen featuring abundant two-tone cabinetry, pull-out shelving, soft-close doors, under-cabinet lighting, above-cabinet lighting, and special picture lighting, creating a warm and functional chef's kitchen ideal for gathering with friends and family. A full glass wall with center sliding doors opens to your own private outdoor oasis, evoking the charm of a Tuscan courtyard. The covered patio is thoughtfully designed with powered screens, a fireplace heater, and BBQ, making it comfortable year-round--cool on warm Arizona days and cozy during cooler evenings. This inviting outdoor living area provides the perfect space for relaxing or entertaining, and patio furniture may be available on a separate bill of sale. Inside, thoughtful upgrades and care are evident throughout, including crown molding, Hunter Douglas blinds, ceiling fans, LED lighting, coffered ceilings, and window curtains and drapes. The floor tile was polished and grout cleaned and colored in 2025, along with duct cleaning in 2025, and the HVAC has been consistently maintained under service contract. The primary suite offers comfort and convenience with a motorized shade in the bath, ADA-height toilets, built-in desk with cabinetry, and a barn door entry to the ensuite bath. (White shelving in the primary closet conveys; wood-look shelving does not.) The second bedroom includes a built-in linen closet, and the den with double doors provides flexibility as an office or hobby space. Second bedroom furniture may convey. Additional highlights include a fully tiled laundry room with deep sink, water softener and reverse osmosis system, garage refrigerator, epoxy garage floors, and garage storage shelving that conveys. Living in PebbleCreek means enjoying a true resort lifestyle, with amenities including championship golf courses, state-of-the-art fitness centers, 36 pickleball courts, tennis courts, resort pools and spas, creative arts studios, walking paths, restaurants, 200 +clubs, and endless social activities--all set within a beautifully landscaped, guard-gated community in the heart of Goodyear. This exceptional home offers the perfect opportunity to embrace the vibrant PebbleCreek lifestyle.
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.
