Better than new, Only 5 years old! , Move-in ready, perfectly positioned with no rear neighbors: Welcome to resort-style living in Anthem Merrill Ranch! This stunning 3-beds, 2-bath home is fully loaded with upgrades and designed for comfort, style, and effortless everyday living. From the moment you arrive, you'll notice thoughtful touches like the security screen front door and utility door in the garage with its own security screen, offering convenience and peace of mind. This home's upgrades included solar, 12''x24'' upgraded floor tile, glass subway tiles, bay window in the primary, deluxe shower with bench, ceiling fans, and newer top-of-the-line appliances & whole house water softener. Enjoy community amenities like heated pool, water park, workout rooms, climbing wall & more... Beautifully upgraded, move-in ready Senita Model and perfectly positioned with no rear neighborswelcome to resort-style living in Anthem Merrill Ranch. This stunning 3-bedroom, 2-bath home is fully loaded with upgrades and designed for comfort, style, and effortless everyday living. Mountain views and no rear neighbors. From the moment you arrive, you'll notice thoughtful touches like the security screen front door and utility door in the garage with its own security screen, offering convenience and peace of mind. Inside, the home shines with upgraded 12" x 24" tile flooring, modern glass subway tile accents in the kitchen and bathrooms, and an inviting bay window in the primary bedroom that fills the space with natural light. The chef-inspired kitchen features newer cafe smart top-of-the-line appliances, abundant counter space, and designer finishes throughout. The primary suite is a true retreat with a deluxe walk-in shower with built-in bench and elegant upgrades. This home has a huge primary closet with built in shoe storage. Throughout the home, you'll find ceiling fans, upgraded fixtures, and smart enhancements that add both beauty and practicality. A whole-house water softener ensures an elevated living experience. Step outside to your private oasis: an extra-long covered back patio, mature landscaping, turf backyard, and a paver walkway create a relaxing space perfect for entertainment or quiet evenings. With no rear neighbors, your privacy is unmatched. The garage is equally impressive with an attached overhead storage rack and a utility sinkideal for hobbies, projects, or easy clean-up. Located in the sought-after Anthem Merrill Ranch community, you'll enjoy unmatched amenities including a heated community pool, pickleball, golf, lake, parks, bike trails, and so much more. This is truly resort-style living every single day. Packed with upgrades, thoughtfully designed, and beautifully maintainedthis home is ready to welcome you. ITS GORGEOUS INSIDE COME TAKE A TOUR!!!
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.
