VA loan
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VA loan
$375,000 SIGNIN

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13602 W Ballad Dr, Sun City West, AZ 85375

2 beds · 2 baths · 1,715 sqft

Welcome to 13602 West Ballad Lane, a beautiful home nestled in the heart of the renowned Dell Webb 55 ''and better'' community in Sun City West, Arizona. This charming residence offers everything you need to embrace an active and fulfilling lifestyle with access to world-class amenities. Whether you're seeking relaxation or excitement, this vibrant community has it all—from scenic golf courses, state-of-the-art recreation/fitness centers, a bowling center, and a private library, to numerous hobby clubs and social activities. This home is perfectly designed to make the most of Arizona's year-round sunny weather and its incredible indoor/outdoor lifestyle. The inviting 2-bedroom, 2-bathroom floor plan is both functional and comfortable, with thoughtful upgrades throughout. Interior Highlights: Upon entering, you'll be greeted by vaulted ceilings that create an airy, spacious atmosphere. Natural light pours through large windows, creating a warm and inviting environment. Don't like the light? You're in luck with plantation shutters throughout. Tile floors flow throughout the living area of the home, offering both aesthetic appeal and practical functionality, helping to keep the home cool during the summer months and warm in winter. The main living area is open and bright, perfect for entertaining or relaxing. The kitchen is equipped with everything you need for effortless meal preparation, with ample cabinetry, easy-to-maintain hard surface countertops, and modern appliances. Bedrooms & Bathrooms: The primary bedroom is generously sized and offers a peaceful retreat, with enough room for your furniture and personal touches. The attached en-suite bathroom features a spacious layout and modern fixtures. The second bedroom is perfect for guests, a home office, or any other purpose you desire. You'll find custom craftsman solid wood bookcases that not only add a touch of sophistication but also provide plenty of storage space for your books, photos, and treasured keepsakes. Additionally, the room features a Murphy bed, offering flexible use of the space for guests or creating a multi-functional room when you need it. With two full bathrooms, comfort and convenience are guaranteed for you and your guests. Functional Spaces: This home also features a separate laundry room, making chores a breeze and helping to keep the rest of the home tidy. A spacious epoxy floored garage filled with built in storage cabinets ensures that you'll have space to organize your belongings, with the added bonus of 30-amp RV electricityperfect for those with a love for RVing or wanting to host guests with RVs. Outdoor Living: Step outside and you'll discover a backyard oasis. The low-maintenance landscaping includes pavers that provide a clean, modern look and ample space for outdoor seating, dining, or entertaining. The brick privacy wall ensures you have a tranquil, secluded retreat where you can unwind in peace. For added comfort, the screened-in Arizona room is the perfect place to enjoy the beauty of the outdoors, whether you're having a morning coffee or unwinding after a long day. It's an ideal space for year-round enjoyment, without worrying about pesky insects. The Dell Webb Community: Living in the Dell Webb 55+ Community means you're part of a welcoming and active neighborhood with an abundance of amenities to enhance your lifestyle. Spend your days on the golf course, enjoy an afternoon workout or swim at one of the fitness centers, or grab a book from the library. The possibilities for recreation and relaxation are endless. This home at 13602 West Ballad Lane is more than just a property; it's an opportunity to embrace a vibrant, active lifestyle in one of the best communities in Sun City West. With its spacious layout, quality finishes, and unbeatable amenities, this home is the perfect place to begin the next chapter of your life. Don't miss out on this incredible opportunity to live in this coveted community.

Estimated
Seller's interest rate
4.08%
7%
Estimated
Monthly payment

$1,703
$2,158
You may also save up to $131,463 in total interest paid.

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.

Financials
Seller’s estimated current equity is SIGNIN
To assume this mortgage you must cover the seller’s equity by using your cash or by combining your cash with gap financing.
Estimated $2,158 monthly payment

Financed
SIGNIN
Location
Use two fingers to move the map
Loan details
Loan type
VA
Rate
4.08%
Remaining term
24 yrs and 1 mo
Remaining balance

Source: Public records

Monthly payment

All values shown are estimated costs / mo.

Total
$1,703
Principal & interest
$1,431
Mortgage insurance
-
Property taxes
$96
Home insurance
$175
HOA fees
-
Utilities
Not included

Source: Public records

Home details
Size
1,715 sqft
Lot size
0.21 acres
Year built
1989
Type
Single Family Residence
HOA dues
$0.00

Source: ARMLS #6820862

Qualify

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.

Resources
Frequently asked questions

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.

View all FAQs
Last updated: Apr 18, 2025 11:05 am
Listing agent: Jayson Paulus (623) 385-2826
Listing provided courtesy of: My Home Group Real Estate (480) 685-2760
Details provided by ARMLS and may not match the public record.
MLS ID: #6820862
Copyright © 2025 Arizona Regional Multiple Listing Service, Inc. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified. Information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.
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