Experience the best of Gold Canyon living with breathtaking Superstition Mountain views, stunning Sonoran Desert scenery, and easy access to endless outdoor recreation. This beautifully maintained 3-bedroom, 2-bath home offers a spacious open-concept floor plan plus two versatile flex spaces perfect for a home office, fitness room, hobby space, media room, or guest retreat. The island kitchen features newer stainless steel appliances, abundant cabinetry, updated fixtures, and overlooks the great room, creating an ideal space for everyday living and entertaining. Throughout the home you'll find newer wood-look luxury vinyl flooring, updated lighting and ceiling fans, resurfaced countertops, tubs, and showers, updated bathroom fixtures, and replaced toilets that add a fresh, modern feel. The long list of updates continues outside, including a new roof in 2024, recently painted exterior, updated front brick accents, new landscaping, a main pool pump replaced in 2023, and a fountain pump replaced last month. The garage has been upgraded with epoxy flooring, while the laundry room features added cabinetry for extra space. Step into your private backyard oasis and enjoy Arizona's beautiful weather year-round. World-class hiking, horseback riding, mountain biking, off-road trails, and access to the Superstition Wilderness are just minutes away. Canyon Lake, boating, kayaking, paddleboarding, camping, and scenic desert drives can all be enjoyed within a picturesque 25-minute drive through some of Arizona's most stunning landscapes. Conveniently located near shopping, dining, golf courses, medical facilities, and US-60 for an easy commute. Mesa Gateway Airport is approximately 25 minutes away, Sky Harbor International Airport about 40 minutes, and everyday conveniences are located right at the entrance to the community. Whether you're searching for a primary residence, winter retreat, or lock-and-leave Arizona getaway, this move-in ready home combines thoughtful updates, low-maintenance living, and the unmatched Gold Canyon lifestyle you've been looking for.
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.
