Welcome to this stunning Gilbert estate, nestled in the prestigious gated community of Whitewing at Wiehl Estates, sitting on a sprawling half-acre corner lot! Photos simply don't do this home justice. From the moment you arrive, the custom wood and iron doors, brick and stone accents, and hand-troweled mud set tile roof set the tone for the craftsmanship you'll find throughout every inch of this extraordinary property. The well-laid-out floor plan flows beautifully between the great room, dining, and chef's kitchen, making it ideal for relaxing or entertaining on any scale. Your inner chef will love the Viking 6-burner gas range, double ovens, wine fridge, and stunning custom knotty Alder cabinetry throughout. Whether it's a quiet weeknight dinner or a full holiday gathering, this kitchen was built for it. Your primary suite is a true retreat, offering His and Hers walk-in closets with custom built-in furniture, dressers, and organizers, a spa-worthy bathroom featuring custom His and Hers vanities with slab granite counters, a large opal and travertine shower with custom glass wall, and a jetted tub. There are three bedrooms in the main home, plus a dedicated office/den with wood flooring, plaster box beam ceiling, built-in Alder cabinets, and granite tops, So, whether you need space for guests, kids, or working from home, this home checks every box. Head downstairs and prepare to be wowed. The basement level is an entertainer's dream, featuring a home theater with projection system and surround sound, a wine cellar with custom wood racks and stone floor and ceiling, and a full bedroom and bathroom. It's perfect for guests or multigenerational living. Additionally, the custom wet bar with granite counters, refrigerator, and ice maker, living and gaming space makes this level a destination all on its own. Next, step outside to your private resort. The expansive covered back patio features travertine floors, a wood ceiling, and built-in speakers, all overlooking a breathtaking pool with multiple waterfalls, and a stream that cascades over granite boulders. Whether you're swimming, lounging, or dining al fresco, this backyard delivers the ultimate Arizona outdoor lifestyle. Love golf? You even have your own brand new putting green! The detached guest casita has its own bedroom, walk-in closet, bathroom, and speakers. Perfect for guests, in-laws, fitness room, or a second private home office setup. The private front courtyard boasts an outdoor kitchen, bar, TV, spa, fountain, and fireplace. Got outdoor toys? The oversized 3-car garage with custom wood doors, epoxy flooring, EV Charger, and a mini-split unit means your cars--and your toys--are well taken care of. The long paver driveway and heavy decorative wood RV gate complete the picture. An added bonus..avoid the morning and afternoon traffic chaos with your own dedicated access/entrance to the elementary school. Homes like this don't come along very often. Don't miss your opportunity to own one of Gilbert's finest.
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.
