4336 S Pony Rider Trl, Gold Canyon, AZ 85118
3 beds · 2 baths · sqft
This private 3-bedroom, 2-bathroom home is nestled in the scenic community of Gold Canyon, offering both comfort and breathtaking surroundings. Step inside to fresh two-tone interior paint that enhances the modern and inviting atmosphere. All appliances are included! Built in cabinets in the garage, covered patio plus extended patio to embrace your surroundings backing to a peaceful common area wash, this home provides a sense of seclusion while maintaining a seamless connection to nature. Enjoy awe-inspiring views of Dinosaur Mountain and the Superstition Mountains—where every sunrise and sunset becomes a stunning backdrop. Also bring your telescope to discover the constellations and stars at night. Designed with an open and functional layout, this home is perfect for both this home is perfect for both relaxation and entertaining. Conveniently located near outdoor recreation, hiking trails, and everyday amenities, this is a fantastic opportunity to own a home in one of Arizona's most picturesque settings.
Source: ARMLS #6781484
Interest rate and monthly payment estimated based on public records.
Source: ARMLS #6781484
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.
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