Tucked away on a north/south lot adjacent to a natural common area in the gated Whisper Mountain community, this single-level luxury home offers privacy, space, and an outdoor lifestyle that truly sets it apart. Sitting on just under a half-acre, the property is designed for both relaxed everyday living and unforgettable backyard gatherings. The interior features a spacious split great-room floor plan with 4 bedrooms, a dedicated den, flex room, and 3 full bathrooms, including a secondary bedroom with its own private bath--ideal for guests or multi-generational living. 10-foot ceilings, extensive 18'' tile flooring, brand-new carpet, accent paint, and an integrated surround-sound system create a comfortable and refined living space. At the center of the home is a gourmet kitchen built for entertaining, featuring a large island with breakfast bar, granite slab countertops, abundant cabinetry, walk-in pantry, and stainless appliances including a 6-burner gas range, double ovens, and vent hood. The great room flows seamlessly from the kitchen and includes a gas fireplace and direct access to the backyard. The owner's suite is a private retreat with French doors to the patio, dual walk-in closets, and a remodeled spa-style bath featuring a walk-in tile shower, soaking tub, and upgraded fixtures. Step outside and the lifestyle truly comes to life. A huge covered patio with tongue-and-groove wood ceiling, ceiling fans, built-in heaters, and integrated speakers creates the perfect outdoor living room. Beyond the patio, the secluded backyard showcases a stunning negative-edge PebbleTec pool with Baja step, rock waterfall feature, above-ground spa, lush landscaping, citrus trees, and synthetic turf. With no direct neighbor behind and open space beside the home, the setting feels peaceful, private, and resort-like. Additional features include a garden area, large exterior storage room, RV gate, and a 3-car garage with cabinets and service door. Located near Usery Mountain Regional Park, hiking and biking trails, Saguaro Lake, Salt River recreation areas, and the Loop 202, this home offers convenient access to outdoor adventure while remaining close to shopping, dining, and everyday amenities along the Power Road corridor. For those seeking luxury desert living with a secluded backyard retreat, this Whisper Mountain home delivers space, privacy, and an exceptional outdoor 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.
