4329 W Sierra St, Glendale, AZ 85304
4 beds · 2 baths · sqft
This could be The One! Beautifully remodeled 4-bedroom, 2-bath home with stylish, functional upgrades and NO HOA. The open-concept living area flows into a charming farmhouse-style kitchen with quartz counters, a large walk-in pantry, soft-close shaker cabinets, an extended butcher block-topped island, touchless sink faucet, pot rack, and stainless-steel appliances (new stove) —perfect for entertaining. Step outside to your private oasis with a diving pool, gazebo, covered food prep station, and expansive travertine patio. Energy-efficient upgrades include Tesla solar panels, added insulation, dual-pane windows, ceiling fans, a new front door, and fresh exterior paint. With extra parking (5+), backyard storage, and a low-interest **ASSUMABLE LOAN**, this home is truly a rare find!
Source: ARMLS #6794308
Interest rate and monthly payment estimated based on public records.
Source: ARMLS #6794308
Source: Public records
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%. 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.
Other resourcesWhat is Roam?
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.
What is an assumable mortgage?
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.
Why is an assumable mortgage valuable?
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.
How can you find assumable mortgage listings?
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 “Get Notified” 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.
How do I qualify for an assumable mortgage?
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.
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.