12350 E Pivot Peak, Gold Canyon, AZ 85118
4 beds · 3 baths · 1,961 sqft
Welcome to this gorgeous paradise in Peralta Canyon Community! Completed in May of 2022, featuring a 4-bed, 3-bath home with a 2-car garage. Picture yourself in the gorgeous backyard with see through fence to nature's beauty & mesmerizing views, watching the sunsets across the Superstition Mountains. A sliding glass door leads to your covered patio overlooking a completely landscaped, low-maintenance backyard adorned with flowering plants, shrubs, synthetic grass, and pavers. This home perfectly combines style, comfort, and convenience, making it an ideal retreat! You have access just a short walk away to pickle ball courts, BBQ areas, playgrounds, corn hole boards, horseshoe pits, fire pit, basketball court, exercise stations, and much more! The long entry hall leads you to the inviting open floor plan, high ceilings showcasing tile flooring, soothing palette throughout, & recessed lighting. The remarkable kitchen boasts stainless steel appliances, natural gas cooking, subway tile back-splash, & an island complete with a breakfast bar. Plus, Stylish Upgraded Cabinetry & quartz counters in the Kitchen & Baths! Unwind in the main bedroom boasting a walk-in closet, soft carpet, an immaculate ensuite with dual sinks, & make up area. The remaining 3 bedrooms were upgraded with tile flooring to flow throughout the home. Installed RO system and a high-end water softener. This home is Move-In Ready, Like New & shows like a Model Home w/ plenty of natural light! Save Energy w/ Energy Efficient Features built in the home from the windows to the heating & cooling systems with multiple climate controls. This home is truly made for both entertaining & plus, this home is equipped with a Smart Home System & Ring security system...included! Immaculate, well-cared for & ready for new owners.
Source: ARMLS #6753174
Source: ARMLS #6753174
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: #6753174
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.