Perfectly tucked away on a quiet cul-de-sac in the desirable active adult community of Sun City Anthem at Merrill Ranch, this beautifully maintained Providence model offers the lifestyle buyers dream of. From the moment you arrive, you'll appreciate the lush landscaping, inviting curb appeal, and peaceful setting with unobstructed Arizona sunset views... the perfect backdrop for relaxing evenings, outdoor dining, and entertaining under the covered patio. The thoughtfully designed open-concept floor plan delivers both comfort and functionality. It features a spacious great room, a private den, and a split guest suite that's ideal for visitors or multi-generational living. The kitchen is beautifully appointed with maple raised-panel staggered cabinetry, crown molding, pull-out shelving, stainless steel appliances, a gas range, and abundant prep and storage space, making everyday living and hosting effortless. The spacious primary suite is a true retreat, complete with a bay window, sitting area, dual sinks with a vanity, an oversized walk-in shower, and an impressive walk-in closet. Plantation shutters throughout add timeless elegance and privacy, while upgraded PVC irrigation and new manifolds offer peace of mind. Additional highlights include a full 2-car garage plus a separate golf cart garage for extra storage and convenience. Plus, the furniture is available via separate bill of sale, creating a true turnkey opportunity. What truly sets this home apart is the incredible lifestyle that comes with it. Located just a short walk or golf cart ride from the Union Center and community amenities, residents enjoy one of Arizona's premier resort-style active adult communities. Sun City Anthem at Merrill Ranch boasts a stunning 48,000-square-foot recreation center featuring a resort style pool, indoor lap pool and spa, a fitness center, walking track, pickleball, tennis, bocce ball, horseshoes, shuffleboard, and dozens of social clubs and activities. Creative studios for pottery, quilting, jewelry making, glass arts, and crafts provide endless opportunities to pursue hobbies, while the ballroom hosts concerts, dancing, and theatrical productions year-round. Golf enthusiasts will love the award-winning Troon-managed Poston Butte Golf Club just moments away. This is more than just a home, it's the vibrant lifestyle buyers move to Sun City Anthem for. Come experience why so many are choosing this community for the next exciting chapter of life!
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.
