15434 S Calle Nopalera, Sahuarita, AZ 85629
4 beds · 3 baths · 2,027 sqft
VA Assumable loan option to a VA Buyer at 2.875%!!!Step into your stunning single-story home, where thoughtful design meets everyday comfort. Built in 2020, this beauty sits on a premium corner lot with no back neighbors and an extra-tall 10-foot wall for ultimate privacy. From the moment you arrive, the stunning curb appeal draws you in, featuring vibrant desert landscaping that perfectly complements the home's inviting exterior. Creatively designed with a mix of native plants, decorative rock, and lush greenery, this front yard is both low-maintenance and visually striking. With ample parking and a welcoming entryway, this home makes an unforgettable first impression. Inside, a neutral color palette is enhanced by upgraded paint, baseboards, and freshly painted doors, creating a warm and inviting atmosphere. The layout is ideal for families, featuring a private front bedroom suite with an en-suite bathroom- perfect for guests, older children, or multi-generational living. At the heart of the home, an open-concept design showcases a gorgeous contrast between rich cabinetry and luminous quartz countertops that catch the light just right, adding a touch of understated elegance. The backsplash is a true statement piece, featuring an iridescent finish that shifts in appearance depending on the lighting- making it a one-of-a-kind highlight of this home. The large walk-in pantry provides plenty of storage, while a flex space/den, conveniently located between two additional bedrooms, offers versatility as a home office, home gym, second TV space, playroom, or study area. The primary suite is a true retreat, featuring a walk-in shower and a generous walk-in closet, designed for both comfort and functionality. A highly upgraded laundry room with extra storage, folding space, and stylish paint makes daily tasks easier and more organized. Step outside to a private backyard retreat, featuring a covered patio, a flagstone area prepped for a gazebo, and a dedicated dog space. A regulation cornhole-sized artificial turf area provides fun for family and friends. With no rear neighbors, this space is perfect for unwinding and enjoying Arizona's captivating sunsets One of the most unique features of this home? The custom Nerf gun wall in the garage! Whether for kids or the young at heart, this one-of-a-kind setup is perfect for friendly battles, organized displays, or showing off an impressive collection. With beautiful ceramic tile flooring, thoughtful upgrades, and a layout designed for togetherness, this home is truly special. Enjoy all the incredible community amenities Rancho Sahuarita has to offer, while also having a peaceful sanctuary to call your own.
Source: SOUTHAR #22508735
Financials
Source: SOUTHAR #22508735
Source: Public records
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%. 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.
Other resourcesWhat 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.
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.