23028 E Excelsior Ave, Queen Creek, AZ 85142
5 beds · 5 baths · 3,183 sqft sqft
Beautiful two-story home in the desirable HARVEST community in Queen Creek! Nearly new FIVE beds, 4.5 baths, 3 car tandem garage & a backyard to LOVE! Large sparkling private pool with water feature, built-in firepit, turf for year-round green & low maintenance. Over $100k invested in this backyard paradise! Large downstairs bed & full bath. Gorgeous kitchen with white shaker cabinets, quartz counters, island, stainless appliances including gas cooktop & hood vent. Breakfast room plus formal dining. Very open layout. Upstairs you'll find a spacious loft, 4 more bedrooms including the primary suite & another bedroom with private ensuite. Primary suite is huge & the primary bath is spa-like with a massive walk-in shower, dual vanities & a closet large enough for it all! Walk-in closets in all rooms. Upstairs laundry room. All appliances can stay. The Harvest community in Queen Creek, Arizona, is a master-planned development covering more than 400 acres, designed with family-friendly amenities, blending suburban living with local agricultural heritage. The central gathering area, known as The Grange, includes both a resort-style pool & a junior Olympic-sized lap pool, a community lake, event spaces & outdoor pavilion. An interconnected trail system & multiple parks make it easy to explore on foot or by bike. The community is also close to San Tan Mountain Regional Park & convenient shopping options in Queen Creek, making it an attractive choice for residents looking for both relaxation & accessibility. The design of Harvest honors Queen Creek's agricultural roots, incorporating themed landscaping & spaces for residents to connect with nature. This includes features like an agriculturally-themed playground & lush, open green spaces that make the area feel welcoming & connected to the local heritage. For those interested in schools, Harvest is served by the Queen Creek Unified School District, with schools such as Queen Creek Elementary & Queen Creek High nearby. The blend of diverse home styles, robust amenities, & family-centered design has contributed to Harvest's appeal as one of Queen Creek's newer & sought-after communities.
Source: ARMLS #6776493
Interest rate and monthly payment estimated based on public records.
Source: ARMLS #6776493
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: #6776493
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.