This remarkable 1.80-acre estate offers an exceptional blend of space, privacy, and authentic Sonoran Desert living. Set against sweeping views of the Catalina Foothills and Rincon Mountains, the property delivers unforgettable sunrises, golden sunsets, and a tranquil desert backdrop that feels worlds away yet remains close to everything Tucson has to offer. A rare equestrian-ready setup features a lighted horse arena with water, ready for immediate use, an extraordinary advantage for horse enthusiasts or those seeking true lifestyle flexibility. The grounds also include a new oversized Tuff Shed, two additional storage structures ideal for tack, gear, or hobbies, and ample space for recreational vehicles, desert toys, or future enhancements. Inside, the home is designed to celebrate seamless indoor-outdoor living. An expansive wall of windows in the main living area beautifully frames Rincon Mountain vistas, while wood-beamed ceilings, warm architectural accents, and natural textures create an inviting desert elegance. The open kitchen shines with granite countertops and an island, a farmhouse sink overlooking the private backyard, and effortless flow into the adjoining family room, complete with a cozy corner gas fireplace and direct patio access perfect for entertaining or peaceful evenings under the stars. The primary suite serves as a private retreat, featuring its own private patio for morning coffee or sunset unwinding, along with a spa-inspired bath offering a garden tub, a large tiled walk-in shower with multiple shower heads, dual vanities, and a luxury Toto bidet. Additional highlights include a 50-amp RV pad with washout, 3-car garage, newer windows, fresh interior paint, and updated HVAC systems ensuring comfort, efficiency, and move-in readiness. With NO HOA, the property offers unmatched freedom to personalize your lifestyle, whether equestrian, recreational, or simply serene desert living. A rare opportunity to live surrounded by desert beauty, private, peaceful, and ready for your 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.
