Welcome to Harvest Queen Creek, where lifestyle, location, and livability come together. This 2021-built single-level home offers 4 bedrooms, 3 full baths, a private den, and a 3-car tandem garage with the flexible space today's buyers are looking for. Step inside to an open, light-filled layout with high ceilings, neutral finishes, recessed lighting, and stylish wood-look tile throughout the main living areas. The heart of the home is the spacious kitchen, beautifully designed with quartz countertops, white cabinetry, decorative tile backsplash, stainless steel appliances, gas cooktop, built-in oven, walk-in pantry, breakfast bar, and a large island that opens directly to the dining and great room. The split floor plan gives everyone room to spread out. Two secondary bedrooms share a convenient Jack-and-Jill style bath, while the additional bedroom and full bath offer great flexibility for guests, multigenerational living, or a dedicated hobby space. The den with sliding barn doors is ideal for a home office, playroom, fitness area, or second lounge space, and includes direct access to a covered patio. The primary suite is tucked away for privacy and features dual sinks, a walk-in closet, and a comfortable retreat-style feel. Out back, enjoy an easy-care Arizona backyard with a covered patio, paver seating area, grass, and low-maintenance landscaping already in place. Located in the sought-after master-planned community of Harvest Queen Creek, residents enjoy access to The Grange, a resort-style pool, junior Olympic lap pool, splash pad, community lake, parks, playgrounds, walking and biking paths, open green spaces, and neighborhood gathering areas. Just minutes from Schnepf Farms, Queen Creek Olive Mill, Pecan Lake Entertainment, shopping, dining, schools, and the growing heart of Queen Creek, this home delivers the space, function, and lifestyle buyers keep asking for. Come see why this home makes sense.
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.
