14458 W Zuni Trl, Surprise, AZ 85374
3 beds · 2 baths · 1,408 sqft sqft
SELLER TO CONSIDER BUYERS INCENTIVE WITH COMPETITIVE OFFER! Welcome to your dream home in the heart of Surprise, AZ! This charming 3-bedroom, 2-bathroom home is located in the desirable Sun Village Golf Community, offering an exceptional lifestyle with a perfect blend of comfort and convenience. The home features a brand-new HVAC system, ensuring you stay cool and comfortable year-round. The flat roof has been recently re-foamed with an elastomeric spray, enhancing durability and energy efficiency. Inside, the entire home boasts fresh two-tone paint, creating a modern and inviting atmosphere. The kitchen has been beautifully upgraded with all-new cabinets, stunning granite countertops, a chic tiled backsplash, and brand new appliances including a dishwasher, microwave, and cooking range. Both bathrooms have updated vanities with new granite countertops, adding a touch of elegance to your daily routine. Enjoy the comfort of new carpet in the bedrooms and luxury vinyl plank flooring in the kitchen, bathrooms, and living areas, combining style with practicality. This home is perfect for those who appreciate quality updates and a convenient location within a vibrant community.
Source: ARMLS #6774177
Interest rate and monthly payment estimated based on public records.
Source: ARMLS #6774177
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: #6774177
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.