Welcome to this beautifully upgraded 5-bedroom residence in the heart of San Tan Valley, where thoughtful design, quality finishes, and exceptional outdoor living come together seamlessly. Positioned directly across from a lush greenbelt and neighborhood park, the home enjoys an open, scenic setting that enhances both privacy and everyday enjoyment. Inside, the expansive open-concept design creates an effortless flow between the kitchen, dining, and family room, ideal for refined entertaining and comfortable daily living. The kitchen is elevated with a striking glass pantry door and a suite of newer appliances, including the refrigerator, microwave, and oven (all less than one year old). Motorized blinds in the family room provide modern convenience, while fresh interior paint adds a crisp, move-in-ready feel. A water softener system further enhances everyday comfort. The primary suite, privately located on the main level, offers a tranquil retreat. A custom barn door adds architectural character, while the upgraded Closet by Design system delivers exceptional organization and luxury-level storage. A thoughtfully added door with a security screen provides direct access from the primary suite to the backyard oasis, allowing you to enjoy fresh air, pool views, and seamless indoor-outdoor living with added peace of mind. Upstairs, a spacious loft with a built-in Murphy bed offers remarkable versatility, easily transformed into a media lounge, executive home office, game room, theater space, or guest retreat. Step outside to a resort-caliber backyard designed for year-round enjoyment. The heated pool, complete with a slide and cascading waterfall, serves as a stunning focal point, surrounded by an elegant travertine deck. Multiple seating areas and a gas fire pit create inviting spaces for intimate evenings or larger gatherings. Outdoor sun shades on the patio screens add comfort during warmer months, while artificial turf along the side yard ensures beauty with minimal maintenance. Completing the home is a three-car garage with a tandem bay, offering ample space for additional vehicles, a private gym, or workshop. Epoxy-coated floors provide a polished, high-end finish. With five spacious bedrooms, curated upgrades throughout, a heated resort-style pool, and premium positioning across from greenbelt and park space, this home offers a refined blend of luxury, comfort, and lifestyle.
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.
