265 E Estero Ln, Litchfield Park, AZ 85340
4 beds · 5 baths · 3,800 sqft
This amazing home sits on a quiet cul-de-sac in HIGHLY sought after Old Litchfield Park! It's full of charm, character and features that make it one of a kind. The era-unique Great Room with beautiful wood floors, 12-foot ceilings, a wall of south-facing windows and an inviting gas fireplace is an excellent place to entertain. The spacious kitchen has a sunroom-like eat-in area overlooking the crystal blue pool diving pool. All 4 bedrooms are ensuites, there's a half bath for guests, a huge recreation room, and a separate office/library with built-in bookshelves. Outside you'll enjoy a huge circle drive, a shaded front porch with opposing swings, a spa, an outdoor shower, a built-in grill, custom kids' playhouse, a citrus grove, large grassy area and two raised garden beds. This isn't just an amazing family home, it's a lifestyle!!! The locals will tell you Old Litchfield Park is special. Old Litchfield Park offers fantastic walking and biking and is also golf cart friendly. You'll enjoy five parks, youth sports leagues, a beautiful fishing pond, several walkable local restaurants and the historic Wigwam Resort with three unique 18-hole championship golf courses! There are also art festivals, beer & wine festivals, and concerts in "The Park". You'll have ample school options including Litchfield's "A" rated public schools and several private and charter schools in the area. All the potential headaches of an older, charming home have been eliminated. The kitchen has been updated. The dishwasher (2020), cooktop (2024), microwave (2025), and reverse osmosis filters (2025) have all been replaced. The water softener was replaced in 2022. The bathrooms have been remodeled (2017/2020/2022). NEW interior and exterior paint. NEW dual pane windows. The pool has a NEW pebble mini surface. All three HVAC units are very NEW with parts & labor warranties. The easy to maintain flat roof was recoated in 2020. The home has all copper wiring and all ABS sewer lines. All you need to do is ENJOY! Here are some additional details that make this home special. There is classic saltillo tile in the entry and office/library. There is a fantastic drop zone just off the garage with storage for shoes and jackets. The kitchen has a large walk-in pantry. There are 7 skylights. All the doors are solid wood and seven of them are pocket doors. All bedrooms have ceiling fans, and two bedrooms have blackout shutters. There are two massive, covered patios on the back of the house (one overlooks the grassy area, and one overlooks the pool). There are seven patio doors offering easy access to the backyard for indoor/outdoor living. The garage is lined with storage cabinets and there are three build-in storage cabinets on the pool patio. There is a grapefruit tree, 2 orange trees, two clementine trees and a lemon tree.
Source: ARMLS #6843423
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Rates and payments are estimates based on public records.
Source: Public records
All values shown are estimated costs / mo.
Source: Public records
Source: ARMLS #6843423
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.
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