10955 W Radcliff Dr, Marana, AZ 85653
4 beds · 3 baths · sqft sqft
Discover Your Perfect Multi-Generational Home!This rare, highly sought-after Oracle Plan 5080 with a Next Gen Suite is no longer available in Gladden Farms, making this property a unique find. Designed for flexible living, it offers two fully independent living spaces, ideal for a variety of living arrangements.The main home features a spacious living room that flows seamlessly into a chef's kitchen, equipped with a GE stainless steel appliance package, double oven, granite countertops, ample cabinet space, and a gas range. The oversized primary bedroom includes a luxurious en-suite bathroom with dual sinks, a walk-in closet, and private access to the backyardperfect for a peaceful retreat. The Next Gen Suite provides a fully independent living experience with its own bedroom, bathroom, walk-in closet, full kitchen with upgraded Bosch dishwasher, stackable washer and dryer, and living room. It even boasts a separate garage stall and private entrance. This home is loaded with smart features and thoughtful upgrades, ensuring modern comfort and convenience. The beautifully landscaped backyard is a true oasis, complete with pavers, artificial grass, a fire pit, Blackstone grill, and mini fridge with a bar/prep stationideal for entertaining or relaxing. For added peace of mind, the property includes smart security features such as Eufy doorbells, a Ring driveway camera, door sensors throughout, and a living room motion sensor, with four additional outdoor Eufy cameras included. Skip the hassle of new builds and move into this gently lived-in home in a thriving development without the ongoing construction around you. Make this rare, single-story Next Gen Suite your new forever home!
Source: SOUTHAR #22425617
Interest rate and monthly payment estimated based on public records.
Source: SOUTHAR #22425617
Source: Public records
Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step.
Whether you have an agent or you’re just starting your search, reach out to us and we’ll help set up a home tour.
Roam works with you, your agent, and the listing agent to prepare a mortgage assumption agreement and finalize all details.
Roam coordinates all parts of the transaction and keeps all parties up to date to provide a seamless 45-day close.
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.
What is Roam?
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.
What is an assumable mortgage?
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.
Why is an assumable mortgage valuable?
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.
How can you find assumable mortgage listings?
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 “Get Notified” 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.
How do I qualify for an assumable mortgage?
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.
MLS ID: #22425617
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.