20423 W Springfield St, Buckeye, AZ 85396
4 beds · 4 baths · 2,739 sqft
Get a free consultation call with an expert in the mortgage assumption process.
OWNED Solar Welcome to the Pulte Wysteria floor plan - a top pick for those who crave comfort, smart design, and style! Nestled right in the heart of the Verrado Thayer District, this home delivers big on location & lifestyle, with everything you need just minutes away. Step inside & feel the wow factor from the start. The layout is thoughtfully designed for everyday ease & effortless entertaining. The kitchen was completely remodeled in 2023—hello, gorgeous storage & sleek, modern finishes! The primary suite is conveniently located on the main level, featuring a beautifully updated master bath that's your own little spa retreat. This home is packed with updates: newer carpet, custom landscaping, & upgraded sprinklers to keep things green and gorgeous. The interior is freshly painted the exterior has been recently painted & the newer AC unit keeps things cool all year round. Security doors on side patio & pool door as well as additional outlets & lights on the side of the house. You'll love the classic charm of tile flooring throughout & plantation shutters on every window for that timeless, polished look. Head out back to your private backyard paradise, where a sparkling pool is perfect for relaxing or hosting unforgettable summer get-togethers. Want a quiet moment? Escape to your secluded courtyard, ideal for a morning coffee or winding down with a good book. From front porch charm to backyard bliss, this home blends comfort, style & pride of ownership in every corner. It's more than just a house it's a lifestyle. Don't miss your chance to make this exceptional home yours. Make this yours & fall in love with everything Verrado has to offer!
Source: ARMLS #6856233
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: ARMLS #6856233
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 and Equal Opportunity Act.