Welcome to your perfect family haven where comfort meets convenience in the heart of Sahuarita! This spacious five-bedroom, three-bathroom home is fresh and ready for new memories, with brand-new paint inside and out that gives everything a crisp, clean feel.Step through the welcoming foyer and you'll immediately notice the thoughtful layout. The main floor features a convenient bedroom and full bathroom - perfect for guests or family members who prefer single-level living. The kitchen is a real showstopper with all stainless steel appliances, including a gas range and French door refrigerator. You'll love the breakfast bar for quick morning coffee and the pantry closet that keeps everything organized.The open floor plan connects the kitchen, dining area, and great room, making makings home ideal for both daily family life and entertaining friends. There's even a large storage closet tucked under the stairs because we all know you can never have enough storage space. Head upstairs to find four additional bedrooms, a convenient loft area, and the laundry room right where you need it. The primary bedroom is a true retreat with stunning mountain views, a walk-in closet, and a dual vanity bathroom setup. Ceramic and tile flooring throughout means easy maintenance and lasting beauty. The backyard is where this home really shines - and we're not just talking about the Arizona sunshine! Artificial turf means no weekend mowing, while fifteen mature fruit trees offer everything from plums and oranges to pomegranates and ruby red grapefruit. Fresh fruit salad, anyone? The star jasmine climbing its lattice adds a lovely fragrant touch. Both front and back yards feature irrigation systems, so maintaining your green spaces is hassle-free. The covered porch houses a hot tub that's available through separate negotiation - perfect for soaking under the desert stars. Practical perks include a two-car garage with extended storage cabinets, solar panels to keep those electric bills low, and the bonus of no rear neighbors since you're positioned at the end of the street. Privacy and tranquility come standard here. But here's where things get really exciting - you're not just buying a home, you're joining the Rancho Sahuarita community that offers resort-style living right at your doorstep. The community recreation center becomes your personal playground, while tennis courts let you perfect that backhand or enjoy friendly matches with neighbors. Multiple parks throughout the community provide endless opportunities for family picnics, kids'playtime, and evening walks. These thoughtfully designed amenities create a comprehensive lifestyle where everything your family needs for active, healthy living is just minutes away. It's like having a vacation resort as your permanent address! Located just minutes from Parque del Presidio and with easy access to quality schools like Sahuarita Middle School, this home puts you right in the sweet spot of community convenience while maintaining that peaceful residential feel. Your new chapter starts here! Seller is offering one year termite warranty!
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.
