The one Queen Creek buyers have been waiting for. Located in the highly desirable master-planned community of Harvest Queen Creek, this beautifully maintained 4-bedroom, 3-bath home with a den, 3-car garage, and designer finishes delivers the space, function, and lifestyle today's buyers want. From the paver driveway and low-maintenance desert landscaping to the artificial turf and inviting curb appeal, this home makes a strong first impression before you even step inside. The open-concept floor plan feels bright, clean, and elevated with high ceilings, recessed lighting, neutral tones, and stylish wood-look flooring throughout the main living areas. The kitchen is the heart of the home, featuring quartz countertops, white shaker cabinetry with crown molding, stainless steel appliances, decorative tile backsplash, walk-in pantry, large island with breakfast bar seating, and plenty of space to gather, cook, and entertain. The split and functional layout offers flexibility for a variety of living needs. Two secondary bedrooms are connected by a convenient Jack-and-Jill style bathroom, creating a smart setup for kids, guests, or shared living. Sliding barn doors open to a versatile den with direct access to the covered patio and turf area, making it ideal as a home office, lounge, playroom, workout space, or private retreat. The spacious primary suite features plantation shutters, soft carpet, dual sinks, and a generously sized walk-in closet. Outside, enjoy a covered patio, grassy yard, low-maintenance desert landscaping, and room to relax, entertain, play, or create your ideal outdoor setup. Harvest Queen Creek adds even more appeal with resort-style community amenities, including The Grange Park, a spacious community center, event spaces, resort-style pool, junior Olympic-sized lap pool, splash pad, community lake, outdoor pavilion, agriculturally themed playscape, neighborhood parks, open green spaces, and interconnected walking and biking paths. The location also offers convenient access to local favorites including Downtown Queen Creek, Schnepf Farms, Queen Creek Olive Mill, and San Tan Mountain Regional Park. With 4 bedrooms, 3 baths, a den, Jack-and-Jill style bathroom, 3-car garage, upgraded kitchen, low-maintenance outdoor space, and an amenity-rich Queen Creek community, this home checks the boxes buyers keep asking for. Viewings begin Saturday -- make sure this one is on your must-see list.
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.
