There is simply nothing else like it in PebbleCreek this is luxury living redefined. This exceptional 3 bed, 3 bath + den Tesoro with private-entry casita offers 2,761 sq ft of thoughtfully designed elegance, combining high-end finishes with effortless indoor-outdoor living. From the moment you enter the private courtyard, you're welcomed into a true designer's dream creating a grand first impression while offering privacy and charm for both everyday living and guest arrivals. The expansive great room features a stackable moving glass wall system with a pleated retractable screen, seamlessly blending indoor comfort with outdoor resort-style living perfect for entertaining or simply enjoying Arizona's beautiful evenings. A sleek electric fireplace and modern two-tone paint create a warm yet sophisticated ambiance, while a 44-bottle wine refrigerator elevates your hosting experience. The chef's kitchen is nothing short of spectacular designed for both beauty and function. A built-in gas package with gas cooktop delivers precision cooking, while 42" upper cabinets with crown molding maximize storage and elevate the space. Quartz countertops extend through the kitchen, butler's pantry, and wet bar, creating a cohesive, high-end design. Thoughtful upgrades such as pull-out shelving, a wood spice drawer, stemware rack, and Blanco undermount sinks ensure everything is within reach making cooking, hosting, and daily living effortless. Retreat to the extended primary suite, where luxury meets comfort. The expanded layout offers a large walk-in shower, extended mirrors to the ceiling for a bright, open feel, a spacious walk-in closet, and a dedicated vanity area creating a spa-like escape designed for relaxation and ease. Cultured marble finishes add timeless sophistication and durability. Step outside to your extended back patio and private pool an entertainer's dream designed for unforgettable gatherings. A gas fireplace creates the perfect setting for cozy evenings under the stars, while the built-in BBQ under a shaded pergola allows for effortless outdoor dining and hosting year-round. This is a backyard you truly won't want to leave. The private casita with its own entrance off the courtyard offers incredible flexibility ideal for guests, multigenerational living, or a private office. Complete with upgraded finishes, a refrigerator, built-in microwave, and abundant storage, it provides comfort, convenience, and independence all in one. Additional spaces continue to impress, including a den with French doors perfect for a home office or quiet retreat and a well-appointed laundry room with added upper cabinetry and a sink, bringing both function and organization to daily living. Every detail has been thoughtfully considered, including a 4-foot extended garage with golf cart space for added versatility, tankless hot water for energy efficiency and endless supply, a water purification system and soft water loop for enhanced quality of living, and epoxy garage floors with built-in cabinets and workbench creating a clean, polished, and highly functional space. Beyond the home, enjoy the unmatched lifestyle that makes PebbleCreek so highly sought after featuring 36 pickleball courts, championship golf, tennis, bocce ball, five resort-style pools, state-of-the-art fitness centers, a full-service spa, multiple restaurants, a theater, ballroom, two clubhouses, and over 200 clubs and activities designed to keep you as active and social as you desire. This is more than a home, it's a lifestyle upgrade. Better than new and available now without the build time, this one-of-a-kind property is a rare opportunity you don't want to miss.
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.
