Feels brand new and welcomes you like a model home from the moment you arrive! Set on a premium corner lot near the breathtaking White Tank Mountains, this original-owner residence offers space, beauty, and thoughtful design in a peaceful setting you'll love coming home to. Step inside and you're immediately greeted by a charming office nook, perfectly positioned for working from home, a quiet reading space, or a playful spot for little ones. From there, the home opens effortlessly into the heart of the house, a chef's kitchen designed to gather people together. Crisp white quartz countertops, timeless white shaker cabinetry, a large walk-in pantry, and a gas range topped with a statement hood create a kitchen that's as functional as it is stunning. Underfoot, the wood-plank tile flooring steals the show; an incredible builder upgrade that carries warmth and durability throughout the home. Soaring vaulted ceilings and a spacious family room invite laughter, conversation, and unforgettable evenings with friends and family. Tucked privately on the main level, the primary suite feels like a retreat of its own. The spa-inspired bath features a huge tiled walk-in shower, a place to unwind, recharge, and linger a little longer at the end of the day. A convenient half bath completes the downstairs living. Upstairs, the home continues to surprise. An open loft overlooks the family room below, offering a perfect second office, homework zone, or playroom. A guest suite with its own full bathroom provides comfort and privacy, while two additional bedrooms, another full bath, and an upstairs laundry room make everyday living easy and effortless. Outside, the story continues. The newly turfed backyard and low-maintenance landscaping create the ideal backdrop for entertaining, quiet mornings, or evenings spent watching the sunset melt into the White Tank Mountains. With room to gather and space to breathe, this backyard was made for Arizona living. Finished with upgraded 8-foot doors, an oversized corner lot, and a layout that truly checks every box, this home is more than just beautiful, it's a place where memories are made. This is the one you've been waiting for. Welcome home!
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.
