24260 N Big Springs Ranch Rd, Paulden, AZ 86334
3 beds · 2 baths · 1,324 sqft sqft
Discover This Unique Southwestern-Style Home on Nearly 2 Level Acres. Welcome to a one-of-a-kind 2018-built Clayton manufactured home, perfectly situated on just under 2 level acres. This property includes a detached 2+ car garage, a separate workshop/studio, and a detached greenhouse, offering ample space for all your needs. Upon arrival, you'll be greeted by a circular drive and a partially fenced front yard, leading to a charming covered front deck. Step inside and be captivated by the open floor plan, featuring 9-foot ceilings, wood flooring, and a bright, airy ambiance. The great room, with its ceiling fan, seamlessly flows into the kitchen and dining area, creating a welcoming and spacious environment. The kitchen boasts warm wood cabinets, a center island with a breakfast bar, and stainless steel appliances, including a smooth-top electric range. The split bedroom plan ensures privacy, with the primary bedroom on one side of the home and the two additional bedrooms on the opposite side. The primary suite is a haven of comfort, featuring a ceiling fan, two closets, and an ensuite bathroom with dual vanities and a walk-in shower. The two other bedrooms are generously sized and share a full bathroom. For energy efficiency, the home was upgraded with 2x6 (R24) insulated walls. Step out onto the recently added open deck at the back with new trex flooring, perfect for watching the activities in the beautifully landscaped backyard. Several trees, including fruit trees, have been planted, and there's plenty of room for all your toys. The backyard is completed with perimeter fencing, a workshop, and a greenhouse equipped with water and power. The owner has an assumable loan, providing a unique financial opportunityreach out for more information. The owners prefer to sell the home furnished, with notes attached to items the seller plans to keep. Don't miss out on this exceptional property that blends modern comforts with expansive outdoor space!
Source: ARMLS #6746022
Interest rate and monthly payment estimated based on public records.
Source: ARMLS #6746022
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: #6746022
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.