Escape to your private retreat in the sunny Palo Verde Valley with this inviting 2-story gem, blending classic comfort with modern upgrades. Four bedrooms, 3 bathrooms. Built in 1994 and lovingly maintained, this 2,130 sq ft haven offers living across two levels, perfect for those seeking space and serenity. Downstairs welcomes you with a cozy additional room featuring a charming fireplace, perfect for movie nights, reading nooks, or casual gatherings, plus a convenient guest bedroom and full bath. The heart of the home shines in the updated kitchen, featuring sleek granite countertops, tiled flooring for effortless cleanup, and a brand-new dishwasher ready for everyday meals. Arched ceilings add a touch of architectural elegance throughout. Ascend the carpeted staircase to the upper level, where three additional bedrooms await, including a luxurious primary suite that’s a true standout: expansive layout, walk-in closet, a cozy fireplace for chilly desert evenings, and an ensuite bath with tiled floors. The other bedrooms share a well-appointed hall bath, all with plush carpet for added warmth. A convenient upstairs laundry room pairs perfectly with a dedicated linen closet just across the hall. Outside, entertainment takes center stage with a sparkling heated swimming pool plunging to 6 feet deep, complete with an integrated spa for ultimate relaxation under the stars, and a spacious patio perfect for barbecues, sunbathing, or poolside lounging. Start your own citrus tradition, two young fruit trees (a tangelo and a Meyer lemon) are already thriving in Blythe’s perfect growing climate. A generous backyard storage shed offers ample space for all your gear, tools, or seasonal items, keeping everything organized and out of sight. Your three-car garage provides ample space for vehicles, toys, or a workshop, and the property is powered sustainably by a solar system, to be paid off at closing, slashing those energy bills and giving you instant eco-savings. A soft water system ensures crystal-clear water for showers, laundry, and more. No detail overlooked in this turnkey treasure. Bright, fresh, low-maintenance vibes inside and out. Blythe’s charm is calling, conveniently close to schools, everyday shopping, and proximity to the Colorado River, local amenities, and endless outdoor adventures.
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.
