Perfectly perched high above it all in the foothills of Anthem Highlands in coveted Glengarry,this stunning contemporary home offers a rare blend of peaceful mountain living,natural beauty & elevated luxury that feels worlds away from the city lights below.Backing directly to the majestic mountainside with breathtaking desert vistas & incredible privacy,this turn-key home captures a serene & picturesque lifestyle so many buyers dream about but rarely find at this price point.You’ll love the light open-concept floor plan,crisp modern finishes,gorgeous luxury vinyl plank flooring thruout & expansive living spaces designed for comfort & entertaining.Living,dining & family areas seamlessly connect the dramatic 2-way fireplace,surround sound prewire,recessed lighting & plantation shutters adding the perfect upscale touch.Beautifully appointed kitchen blends style & function,granite counters,granite composite sink,prep island,custom cabinetry with roll-outs & upgraded LG SS appliances including self-cleaning double convection oven,5 gas burners,griddle & hiddenhood.Upstairs has 4 spacious bedrooms,a huge super bedroom ideal for flex living,all with walk-in closets for wardrobe dreams!Primary suite is a true retreat -dual walk-in closets & direct access to the full-length covered balcony where majestic mountain views,quiet sunrise mornings & twilight evenings become part of daily life.Backyard is a gardener’s delight with lush real grass,fruit-bearing plum & apple trees,grapevine & covered patio with no rear neighbors beyond the stunning mountainside backdrop.Additional highlights include laundry room with cabinets,220 garage EV & pride of ownership thru out.Surrounded by parks,trails,splash pads & open mountain access,yet minutes from shopping,dining,schools,T-Mobile,Allegiant Stadium & future Brightline Rail.This is more than a home, it’s a lifestyle,a feeling & a rare opportunity to live tucked peacefully against the mountains in one of Anthem’s most desirable settings.
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.
