Set at the base of the Superstition Mountains, this stunning custom home is perfect for multigenerational living. The split floor plan offers 4 bedrooms and 3 baths, including a private suite with its own living area, bedroom, and bath that is ideal for family or guests. The primary suite is a serene retreat with a large bathroom and generous closet spaces. The upgraded kitchen flows into a spacious living room, with panoramic glass doors opening to an extended patio and heated pool/spa with breathtaking mountain views! This home is made for entertaining! Two RV gates provide easy access, and the property allows for up to 1,800 sqft of additional build potential, giving buyers endless possibilities to create the space they imagine, offering multiple ways to customize your dream retreat. The exterior presentation is striking, with upgraded Mission-style stucco for timeless character and depth. A commanding 8-foot front entry door with integrated digital lock system makes a bold first impression while offering modern convenience and security. From the moment you enter, the home's elevated ceilings and dramatic 8-foot interior doors establish an atmosphere of openness and sophistication. Expanded window heights invite natural light to pour into the interiors, while substantial 3¼ inch base trim and rounded corners with crisp square transitions add tailored architectural detail throughout. Designed for seamless indoor-outdoor living, the Great Room showcases an impressive 16-foot sliding glass door, dramatically expanding sightlines and opening the home to an enlarged covered back porch. This extended outdoor retreat is thoughtfully appointed with multiple ceiling fans, additional GFI outlets, and discreet eave outlets ideal for elegant lighting installations or seasonal ambiance. Speaking of ambience: the salt pool and spa area is the best place to take in the mountain view. A phone application is perfect for monitoring and controlling the pool and spa features such as temperature, lighting, and aerators. It's a space designed for evening gatherings, relaxed mornings, and year-round enjoyment. At the heart of the home, the kitchen reflects both beauty and intelligent design. The "Hurson" cabinetry with soft-close doors and drawers offers clean lines and premium craftsmanship. A wonderful, large island at the center really anchors the great room allowing for extended seating and entertainment areas. The primary suite is a true sanctuary. A vaulted ceiling adds architectural drama and dimension, while the spa-inspired bath features an expansive 5' x 4' designer tile shower with a mud-set pan and frameless glass enclosure. An ADA elongated toilet provides comfort without compromising style. The private Guest Suite has added walls for separation and exclusivity, creating a retreat-like experience for visitors or multigenerational living. Its bath mirrors the elevated standard with a 5' x 4' tiled shower and mud-set pan, frameless glass enclosure, enlarged 5-foot vanity, and ADA-compliant toilet ensuring comfort, accessibility, and sophistication. Comfort and performance are seamlessly integrated into the home's foundation. A premium 2-system, 3-zone HVAC system allows precise climate control throughout. A built-in HEPA air filtration system enhances indoor air quality for a healthier living environment, and comes with an additional 2 year warranty that conveys with your purchase. The garage has been fully insulated (701 square feet), drywalled, taped, and textured - turning it into a finished extension of the home. Upgraded insulated 7' x 8' and 16' x 8' garage doors, paired with dual openers and remotes, provide both energy efficiency and convenience. Additional enhancements include: Four additional TV jacks for advanced media placement Soft water loop installation Energy efficient hybrid water heater Relocated architectural window for optimized suite layout Relocated interior access door for improved spatial flow Three additional interior garage outlets for enhanced functionality Upgraded plumbing, lighting, interior hardware Updated window screens for energy efficiency Home features a premium solar energy package designed for efficiency and long-term savings. System includes high-performance panels professionally installed to maximize production and reduce monthly utility costs. Thoughtfully integrated into the home's design for clean curb appeal and optimal functionality. Existing solar loan to be satisfied by seller at closing contingent upon acceptable purchase terms. This is a residence defined by intentional upgrades. Not just aesthetic, but structural, mechanical, and experiential. From the enlarged outdoor living spaces to the spa-level baths and zoned climate control, every enhancement reflects a commitment to elevated design and enduring quality.
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.
