2319 E San Tan Dr, Gilbert, AZ 85296
4 beds · 2 baths · 2,004 sqft
Get a free consultation call with an expert in the mortgage assumption process.
Exquisitely Remodeled Single-Story Home in the Highly Sought Cottonwood Crossing! Ideally located near top-rated schools and major highways, this charming 4-bedroom, 2-bath home sits on a beautifully landscaped lot. Designed with abundant storage space, the home boasts bright and welcoming kitchen and living areas. Recent updates showcase high-quality finishes, including soaring vaulted ceilings that enhance the open, airy ambiance. Due to its design, the home is flooded with natural light, making it feel even more spacious than its square footage suggests. Enjoy relaxing on the front sitting patio, or unwind in the spacious backyard, perfect for pets or outdoor activities. With exceptional curb appeal and modern amenities, this immaculate home is a true gem. Don't miss out! Complete Interior painted with a Super- two-tone Sherwin Williams paint NEW Exterior Super Dual-tone Sherwin Williams paint NEW baseboards throughout the entire home. NEW high end LVT flooring throughout the home. High end NEW porcelain tiles installed in both bathrooms. NEW Stainless Steel Whirlpool built-in microwave, glass-top range, and dishwasher. New American Standard garbage disposal. NEW Mirrored glass doors in owner's bedroom walk-in closet. NEW Delta bathtubs in both bathrooms, along with a NEW Delta shower pan in owner's bath. NEW Plumbing. NEW Moen shower and bath faucets in both bathrooms. New Water Pik shower heads in both bathrooms. NEW Moen towel racks in both bathrooms. Modern NEW shower/bathtub surrounds in both bathrooms. NEW shower glass and door in the owner's bathroom. NEW mirrors and LED light fixtures in both bathrooms. New American Standard chair-height toilets in both bathrooms. NEW Moen kitchen sink faucet and bathroom faucets. High-efficiency Low-E NEW Millgard windows installed throughout the home . NEW Energy-efficient Milgard sliding patio door. NEW Energy-efficient LED lighting installed throughout the home, including the back patio. Professional landscaping, including a lush new lawn. Brand NEW irrigation system with updated valves, a Hunter irrigation timer, NEW sprinkler heads, and drip systems for both front and back yards, along with fresh curbing, grass, and rocks. NEW hose bibs installed in both front and back yards. NEW washing machine supply valves. All-NEW interior and exterior door knobs, hardware, and locks. All NEW cabinet hardware in the kitchen and bathrooms. All-NEW switch and outlet cover plates throughout the home. All-NEW smoke detectors All- NEW remote control fans with LED light fixtures in the family room, living room, and all four bedrooms. Additional NEW LED light fixtures in the entryway, family room, breakfast nook, hallway, and back patio. Plumbing and electrical systems updated as needed. This home is move-in ready with all the upgrades you need!
Source: ARMLS #6842415
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 #6842415
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.