From the moment you arrive, this signature residence makes a lasting impression! A paver-lined driveway welcomes you into a fully remodeled, estate-grade home that perfectly balances refinement with relaxed desert living. Set against the backdrop of panoramic city lights and sweeping mountain ranges, this is not just a home -- it's a vantage point on life! With some of the most commanding views in all of Southern Arizona, this rare offering delivers sophistication, serenity, and soul at every turn. Inside, the home has been lovingly refreshed from top to bottom with a bold, contemporary spirit. Designer fixtures, artful materials, and thoughtful finishes unite to create a space that feels both polished and personal. The chef's kitchen is every epicureans dream and serves as the beating heart of the home. Expansive granite countertops, Z-Line six-burner gas range, mirror-inlaid custom cabinetry, dual built-in microwaves, prep sink, warming drawer, dishwasher, and an impressive GE 42" refrigerator blend luxury and functionality. This open-concept kitchen is built to entertain as it flows effortlessly into the dining and great room all oriented to maximize the jaw-dropping city and mountain views turning every moment into a visual experience! Without exaggeration, these are the best views in all of Southern Arizona! The primary suite is a retreat unto itself. Generously sized and peacefully positioned, it offers a dual vanity, a walk-in closet, private patio, and tranquil space designed for rest and restoration the very essence of elevated desert living. Downstairs, the home's entertainment ethos comes to life! Two spacious guest bedrooms are complemented by a custom bar area, a dedicated game room, and direct access to the pool and spa. The outdoor experience is both functional and indulgent featuring an open air, covered pool area with a cascading waterfall feature and spa, a stylish and convenient outdoor pool bath, and seamless indoor-outdoor transitions ideal for hosting! Don't miss the gourmet outdoor kitchen and patio overlooking the mountains and city below! Throughout the home, details matter: commercial-grade luxury vinyl plank flooring spans most living spaces, while designer lighting adds a sense of understated elegance. Plush new carpet adds comfort in all the right places. Set in the pretigious, guard gated enclave of Skyline Country Club, this home exudes comfortable elegance with membership optional access to the Club with fitness center, resort style pool, bar, restaurants, event space, 18 holes of golf, driving range, clay court tennis, and pickleball! This residence has been lovingly attended to and masterfully designed a rare opportunity to own a truly turn-key, view-laden estate in one of Southern Arizona's most captivating settings. Opportunities like this are rare! Welcome Home!
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.
