Built in 2022 by Mattamy Homes, this Acacia plan in Saguaro Trails blends modern design with easy desert living. The 1,653 sq ft single-story layout includes 2 bedrooms, 2 baths, a private den, and a flex room ideal for an office or gym. The open kitchen features black granite countertops, stainless steel appliances, and a large island with seating. Refrigerator, washer, and dryer convey. Energy-efficient construction and a smart thermostat enhance comfort year-round. Low-maintenance desert landscaping and access to community parks, pool, and walking paths within the Vail School District. Saguaro Trails offers an exceptional blend of outdoor recreation, modern convenience, and neighborhood charm in Tucson's scenic southeast corridor. Built by Mattamy Homes in 2022, this community features winding sidewalks, pocket parks, desert landscaping, and panoramic mountain views that define easy desert living. Residents enjoy access to a resort-style pool, covered playground, community event lawn, and multiple green spaces that encourage an active lifestyle year-round. From this property, you will also find direct access to the Fantasy Island Mountain Bike Park, one of Tucson's premier trail systems with loops for every skill level. It is a rare perk that allows you to ride out your front door and reach miles of singletrack without ever loading a bike rack. For additional outdoor adventures, Saguaro National Park East is just 1.5 miles away and connects to Tucson's Loop Trail network less than a mile from the neighborhood entrance, offering more than 130 miles of paved multi-use paths for biking, running, and walking. Everyday convenience is close at hand. Starbucks (0.8 mi), Safeway Grocery (1.2 mi), and several local dining options are just minutes away, while easy access to Houghton Road connects you quickly to I-10, Davis-Monthan Air Force Base, and the rest of the metro area. The home sits within the highly regarded Vail School District, known for academic excellence and open high school choice. The nearest campuses include: Senita Elementary School at approximately 0.7 mile Rincon Vista Middle School at approximately 1.6 miles Mica Mountain High School at approximately 2.2 miles, the nearest option in the district's high school choice program. HOA fees include maintenance of all common areas, landscaped entries, and community amenities, ensuring the neighborhood always looks its best. Saguaro Trails continues to be one of East Tucson's most popular communities, offering the right balance of natural beauty, recreation, and convenience. If you are looking for a move-in-ready, energy-efficient home that captures everything people love about southeast Tucson living, including mountain views, outdoor access, and a modern, low-maintenance lifestyle, this Mattamy home at 9724 E Lynx Lake Trail delivers it beautifully.
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.
