Views, lifestyle, and low-maintenance living all come together in this beautifully maintained townhome in the upscale Canoa Ranch Golf Resort community. Discover front-row, unobstructed vistas of the Santa Rita Mountains and Canoa Ranch golf course from an expansive paver patio that truly feels like an outdoor living room--perfect for morning coffee, sunset cocktails, and entertaining family and friends year-round. From the moment you arrive, the curb appeal stands out with a rustic copper garage door and inviting front entry. Inside, a bright foyer leads to the well-appointed kitchen featuring stainless steel appliances, granite countertops, and ample cabinetry. The kitchen flows into a welcoming great room with a cozy fireplace and a wall of double glass sliders, framing the breathtaking mountain and fairway views while flooding the home with natural light. The thoughtful split floor plan is ideal for privacy and hosting guests. The primary suite is situated on its own wing and offers private access to the back patio through its own sliding door. The en suite bath includes a dual-sink vanity plus a dedicated beauty vanity desk, a generous walk-in shower, and a spacious walk-in closet. On the opposite side of the home, you'll find a comfortable guest bedroom and an adjacent den that can easily be converted into a third bedroom if desired. A generously sized laundry room with washer and dryer included, built-in cabinetry, and a utility sink adds extra convenience and storage. This 2,042 sq. ft. villa offers 2 bedrooms, 2 baths, a den, and an open concept great roomdesigned for easy living, entertaining, and maximizing the incredible views. Outside, the professionally hardscape paver patio creates a true entertainer's paradise with space for dining, lounging, and enjoying the ever-changing desert sky. The community association delivers outstanding value with comprehensive exterior maintenance, including front and side yard care, regular roof recoatings, scheduled exterior repainting, road resurfacing, and a robust blanket insurance policy. Residents also enjoy full access to Green Valley Recreation (GVR), with multiple rec centers, pools, fitness facilities, classes, and social clubs to enjoy year-round. Furnishings may be available for purchase under favorable terms, making this a truly turn-key, move-in-ready opportunity. Located just moments from the Canoa Ranch golf club, on-site restaurant, GVR amenities, and with quick access to I-19, this townhome is ideal for a low-maintenance winter escape or full-time Southern Arizona living. Don't miss your chance to own one of Green Valley's finest view propertiesschedule your private showing today!
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.
