Welcome to 2204 Birdie Drive located in Sun Lakes Country Club, a premier guard-gated 55+ active adult golf community. This beautifully upgraded single-story home offers 2,018 square feet of comfortable living space with 2 bedrooms (both are private suites), 3 bathrooms, and an open inviting floor plan designed for everyday living and entertaining. As you enter this lovely home, the spacious living and formal dining rooms greet you with style and a real sense of warmth. The office/den area allows you flexibiity to suit your lifestyle - perfect for a hobby room, reading retreat, or additional guest space. The beautifully remodeled kitchen has been thoughtfully designed with ample custom cabinetry, extended island, quartz countertops, and stainless-steel appliances, making meal preparation both functional and enjoyable. Adjacent to the kitchen, the extra living space creates the perfect setting for any gathering. The spacious primary suite provides a relaxing retreat with a spendid views of the lush backyard, a private bathroom and ample closet space. A well appointed guest bedroom suite provides privacy for visitors and features its own bathroom that will soon have a brand-new shower enclosure and toilet installed. The laundry room with utility sink offers access directly into the garage. Throughout the home you will find plantation shutters, gorgeous hardwood flooring that add a touch of warmth and character. The newer A/C unit provides additional comfort when needed. Step outside to enjoy thoughtfully designed outdoor living spaces that allow you to relax, entertain or just take in the beautiful surroundings. The oversized front patio features beautiful views of the mountain range ideal for morning coffee or an evening glass of wine. The inviting backyard and patio area provides a tranquil setting with peaceful sounds from the built-in water feature/pond. The impressive gentle ridge supplies added privacy in a park-like setting. Barbecuing this summer on the built-in barbecue island is sure to elevate any family gathering and make outdoor entertaining a true delight. Residents of Sun Lakes Country Club enjoy resort-style amenities including 2 golf courses, 3 clubhouses, 3 swimming pools, fitness centers, tennis and pickleball courts, 2 restaurants, and a wide variety of clubs and social activities-creating a vibrant lifestyle. This home offers the perfect blend of comfort, community, and convenience. Come take a look today!
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.
