13123 E Molokai Ln, Vail, AZ 85641
4 beds · 3 baths · 3,004 sqft
Get a free consultation call with an expert in the mortgage assumption process.
The Seller has an assumable loan at 4.75%! Welcome to a luxurious modern retreat where exceptional craftsmanship meets natural beauty. This custom-built 4-bedroom, 3-bath home in Vail, AZ, offers breathtaking panoramic views of the Santa Catalina and Rincon Mountain ranges, along with stunning sunsets and sunrises from your expansive back porch and south-facing front courtyard. Surrounded by the serene desert landscape, you'll be greeted daily by the sights and sounds of abundant wildlife and the calming beauty of nature.Every detail inside this home has been carefully curated for elegance, durability, and comfort. The primary suite is a true sanctuary, featuring dual walk-in closets, a cozy fireplace (electric), and a luxurious bathroom complete with a freestanding soaking tub , curbless shower, and dual vanitiesperfect for quiet moments of relaxation while soaking in the scenic surroundings. The open concept living areas are designed to impress, with expansive windows that fill the home with natural light and showcase desert vistas and mountain views. The gourmet kitchen is a showstopper, boasting striking quartz countertops, a o-foot island, oil-rubbed cabinet handles with champagne fixtures, a ceramic farm sink, a gas stove, and open shelving. Perfect for both intimate dinners and large family gatherings, this space is designed for entertaining and everyday comfort. Adjacent to the kitchen, the spacious mudroom/butler's pantry with maple butcher block countertops offers ample storage and space for additional appliances. Throughout the home, high-end finishes like solid wood doors, sleek kerfed door jambs, and LED lighting with CCT technology elevate the design, creating a seamless blend of style and function. Built with longevity and sustainability in mind, the home features an enhanced structural foundation, solar-ready roofing, and two high-efficiency TRANE SEER 14 heat pumps, ensuring energy efficiency year-round. The oversized 3-car garage with 8-foot doors and an EV charger outlet adds convenience, while the expansive exterior is designed to be low-maintenance, allowing more time to enjoy the surrounding natural beauty. This home is more than just a living space - it's an immerse experience in luxury, nature, and timeless design. Discover what makes this modern adobe retreat a one-of-a-kind gem in the Arizona Desert.
Source: SOUTHAR #22424721
Learn about how it works
Why Roam
Gap financing to lower your down payment
Unlock down payments as low as 5% – only with Roam
5x the likelihood your offer is accepted
If a purchase takes longer than 45 days, we’ll cover the seller’s mortgage until you close
Close faster and stress-free
We close 2x faster because of our deep experience and lender relationships
Rates and payments are estimates based on public records.
Source: Public records
All values shown are estimated costs / mo.
Source: Public records
Source: SOUTHAR #22424721
To qualify, you must meet the current FHA or VA 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%. 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.
FHA (Federal Housing Administration) loans
FHA loans require the buyer to assume the mortgage as a primary residence.
VA (Veteran's Affairs) loans
You don't have to be a veteran to assume a VA loan. However, not all veterans are willing to let a non veteran assume their mortgage. Roam confirms the seller's willingness prior to you making an offer.
Investors
You may be able to assume a VA mortgage as an investor without it being your primary residence.
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.
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.
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 620, 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.
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.