14445 N Swan Rd, Tucson, AZ 85739
3 beds · 2 baths · sqft sqft
Custom Rastra-Built Home on 1.23 Acres with No HOA, Horse Property and Stunning Mountain Views...... Discover peaceful ranch living in this Southwest-style block home nestled on over an acre in Catalina, with breathtaking views of the Pusch Ridge and Santa Catalina Mountains. This 2,100 square-foot, 3-bedroom, 2-bathroom sanctuary is designed with a great room concept and split floor plan, offering privacy and openness. Two large secondary bedrooms share a full bath on one side of the home, with one bedroom featuring an extra generous walk-in closet. The primary suite boasts new polished concrete floors, a sliding door to the outdoors, and a stylish barn door closet. Both bathrooms feature custom updated vanities, adding unique charm to this warm and inviting home. Outside, the property offers a fully fenced yard, mature trees, and plenty of space for horse facilities, a barn, all the toys or even a guesthouse. Wake up to serene sunrises from the back patio and unwind in the evening with spectacular sunsets from the front. A custom-built shed with a metal roof and loft-style storage adds functionality, while leased solar for only $75/month and the solid Rastra block construction help keep utility bills low. Adjacent to the renowned 50 Year Trail, this property provides direct access to hiking, mountain biking, horse trails, and camping, making it the perfect blend of rustic living and modern convenience. Come experience this beautiful home and enjoy the best of desert ranch life!
Source: SOUTHAR #22428514
Interest rate and monthly payment estimated based on public records.
Source: SOUTHAR #22428514
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: #22428514
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.