20980 N Sweet Dreams Dr
Maricopa, AZ 85138
2 beds · 2 baths · 2,182 sqft
$399,000
Get prequalifiedAbout this home
*** VA ASSUMABLE LOAN at 3.375% *** Welcome to your FRESH NEW INTERIOR LIGHT COLORED PAINT dream home in the highly sought-after Province +55 adult community! This beautifully updated Lilac floor plan offers both luxury and convenience, with a host of modern features and amenities. As you approach the home, you'll be greeted by an expansive, enclosed courtyard, perfect for enjoying your morning coffee or evening relaxation. Step inside to discover a gourmet kitchen that boasts stainless steel appliances, quartz countertops, crown molding on cabinets, pull-out drawers, a wall oven and microwave, and 5-burner gas cooktop. The kitchen seamlessly opens to the Great Room, making it ideal for entertaining. Recent updates include a new roof, primary shower with glass and modern fixtures, garage door, water heater, RO system, and garbage disposal. The home features plantation shutters and elegant tile flooring throughout. The inviting Primary Bedroom includes a bay window and direct access to the patio, while the versatile Den, with French doors, can be used as an office or a guest space. The second bedroom is perfect for visitors and family alike. Enjoy the serene Arizona weather in your beautifully landscaped backyard, featuring lush greenery, a gas stub for your BBQ, and a cozy covered patio where you can unwind or entertain guests. Additionally, you can relax in the outdoor jacuzzi after a day of activities. The laundry room is equipped with built-in cabinets and a sink, and the extended garage includes built-in storage cabinets. Living at Province means you'll have access to an impressive array of amenities including indoor and outdoor pools, a spa, a fitness center, tennis courts, and 9 pickleball courts. The community also offers numerous group activities and classes to keep you engaged and active. Don't miss out on this opportunity to be part of this vibrant, award-winning community. Walk to the clubhouse and enjoy all the wonderful activities Province has to offer. This home truly combines modern comfort with a fantastic lifestyle!
Source: ARMLS #6740214
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FAQs
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.
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.
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.
When assuming the existing mortgage as part of a home purchase, the buyer has to cover the seller’s equity in the home. The seller’s equity is the purchase price minus the remaining mortgage balance. This amount must be covered in full through an all-cash down payment or by taking out a second mortgage.
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