2663 N Carriage Ln, Chandler, AZ 85224
2 beds · 2 baths · 1,405 sqft
Get a free consultation call with an expert in the mortgage assumption process.
Ideally situated on a quiet, interior lot in the highly desirable Heatherbrook Square neighborhood. Enter the private, gated courtyard & through the iron double doors w/rain glass openings. Spacious greatroom features wood burning fireplace, soaring vaulted ceiling, wood beams & tons of natural light. The eat-in kitchen features granite counters, tile backsplash, desk area & bright breakfast nook. The secluded main suite has lots of closet space, a separate backyard exit & a huge dual sink vanity. The well sized 2nd bedroom has a newly upgraded bathroom. Oversized backyard is a tranquil retreat w/large patio of pavers & sitting area w/fireplace. Updates include newer fixtures/lighting; exterior painted 2022; interior painted 2023; wood blinds in 2023; water heater in 2025. Garage... ...has 60 amp breaker & Resla EV charger, custom floor coating, custom storage cabinets, walkable attic storage space & storage closet. Flat portion of roof done in 2025 with 10 year transferable warranty. Enjoy the community amenities which pool/spa, tennis/pickleball/basketball courts, lush greenbelts & walking baths. Quick access lots of local amenities and freeways. Come quick!!
Source: ARMLS #6856059
All values shown are estimated costs / mo.
Source: Public records
Source: ARMLS #6856059
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.