Welcome home to this beautifully maintained 3-bed, 2-bath residence on an oversized corner lot w/no HOA. Thoughtfully designed & exceptionally functional, this home offers the perfect balance of open living & everyday comfort. The spacious great room features a cozy wood-burning fireplace & flows seamlessly into the upgraded kitchen with granite countertops, espresso cabinetry, stainless steel appliances, breakfast bar seating & casual dining. Extensive travertine tile throughout creates a clean, cohesive look with easy maintenance. Step outside to your own backyard retreat featuring a sparkling pool with in-water table & seating, full-length covered patio, & charming outdoor fireplace perfect for relaxing, entertaining, & enjoying Arizona outdoor living with comfort, functionality & value From the moment you arrive, you'll appreciate the pride of ownership and welcoming curb appeal this home offers. The custom front entry and extensive travertine flooring throughout creates an elegant first impression and sets the tone for the warmth and comfort found throughout the home. Inside, the thoughtfully designed floor plan maximizes every square foot, creating spacious living areas while maintaining the functionality today's buyers desire. Unlike many homes that sacrifice storage and practicality in favor of oversized open spaces, this residence offers the perfect balance of openness, comfort, and everyday livability. The heart of the home is the great room, where family and friends naturally gather. The adjoining kitchen features granite countertops, extensive cabinet storage, stainless steel appliances, generous prep space, and breakfast bar seating, making it ideal for both daily living and entertaining. The seamless flow between the kitchen, dining, and living areas creates an inviting environment while still providing distinct spaces for each purpose. The split-bedroom design offers privacy for the primary suite, creating a peaceful retreat at the end of the day. Secondary bedrooms provide flexibility for family members, guests, hobbies, or a home office. One of the home's most unique features is the outdoor living space. The full-length covered patio, custom bar, and outdoor fireplace create an atmosphere that extends your living area beyond the interior walls. Whether enjoying a quiet morning coffee, hosting friends for an evening gathering, or relaxing under Arizona's beautiful skies, this space becomes a true destination for year-round enjoyment. Least we forget the no maintenance oversized backyard with artificial turf and flagstone-like patio spaces, sparkling pool with in-water table and umbrella, and seating!! Now that's a backyard oasis anyone could enjoy. Lastly, the backyard is perfectly thought out with separate pool equipment house, spacious side yards, two pedestrian gates entries, one of which could easily be converted into an RV gate access for flexibility with the oversized corner lot. Additionally, there is a private exit from the Master Suite Bath to the backyard for privacy entrance and exits. Located in an established Glendale neighborhood close to shopping, restaurants, entertainment, schools, parks, and major commuter routes, this property offers the convenience buyers seek while maintaining the comfort and charm of a true neighborhood setting. "This is more than just a house--it's a home designed for gathering, entertaining, and creating lasting memories."
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.
