30876 N 128th Dr, Peoria, AZ 85383
5 beds · 4 baths · 4,209 sqft
Get a free consultation call with an expert in the mortgage assumption process.
Welcome to your dream home in the highly sought-after Vistancia community, where luxury, privacy & convenience come together in perfect harmony. Spanning over 4200 square feet, this stunning residence offers unparalleled comfort just 15 mins from TSMC & only a few miles from 303 freeway, making your commute effortless. Nestled within an exclusive enclave of only 36 distinctive homesites, each designed to maximize views & privacy, you won't find a single lot backing directly to another home. Step outside to a fully landscaped backyard retreat complete with a covered paver patio, a charming gazebo equipped with a gas stub for outdoor grilling, a cozy fire pit & a relaxing hot tub, all overlooking the tranquil beauty of the desert landscape. Inside, the gourmet kitchen serves as the heart of the home, featuring abundant cabinetry, a gas cooktop, built-in wall oven & ample space to gather. The downstairs master suite offers a luxurious escape with a spacious walk-in shower, dual vanities & a large walk-in closet with direct access to the laundry room. A separate guest suite on the main floor is ideal for in-laws or visitors, while the dedicated study provides a quiet space perfect for working from home. An additional bedroom & full bathroom complete the first level. Upstairs, a massive bonus room opens to a private balcony & is flanked by 2 more bedrooms with walk-in closets & a shared full bath, offering plenty of space for family or guests. Comfort & efficiency are top of mind with two HVAC units divided into 4 zones to keep the home perfectly climate controlled year-round. As part of the Vistancia lifestyle, enjoy access to community amenities including a resort-style pool, relaxing spa & popular pickleball courts. This home is the perfect blend of space, style & location & it's ready to welcome you home.
Source: ARMLS #6855031
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 #6855031
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.