320 W Saguaro Arm Trl, Oro Valley, AZ 85755
3 beds · 3 baths · sqft sqft
A 2537 sq ft Contemporary style home with Southern Exposure and un-restricted views of the Catalina Mountains and Tortalita Mountains, and is situated on an ''oversized'' corner lot, backing to the ''Vistoso Trails Nature Preserve'' in the highly sought-after gated community of Rancho Vistoso Highlands in Oro Valley. The home boast's 3 Bedrooms, 2 1/2 Baths, Gourmet Kitchen, Den, ''Teen room-Man cave'', and oversized 2 car Garage. Exterior features include towered courtyard with iron security gate and matching security door, stone exterior with rain gutters and downspouts, paved courtyard, walkways, driveway, storage area, and back patio extension. The Bronze/Copper garage doors lead's you to the black/white/gray Epoxy floor (MORE)... ..... while the upgraded ''Boulder and Cactus'' landscaping package welcomes you as it smoothly flows around the property to the large backyard. There, you can take in the beauty of the custom landscaping of the large backyard from your back patio complete with upgraded "Cool-Tech" textured finish. The interior boast 10 -ft ceilings with upgraded 8 ft interior doors through-out the home. Custom blinds and room darkening drapes enhance the "earth tone" paint and neutral selections such as ceramic tile through-out the home. The Gourmet Kitchen has custom upgrades such as stainless steel appliances with "dual ovens", dual Pantry's, water filtration system, "soft close-solid wood-dove tailed" white Cabinet uppers and lowers with an oversized center island. Hand selected Typhoon Bordeaux Granite Countertops are used thru-out the Kitchen and continue into the Bathrooms, while the large Tiffany style lamp in the dinette area will lead you through optional French Doors to the relaxing area of the back patio. The 3-zone air conditioning and heating system with "whole-house" fan coupled with remote controlled ceiling fans will minimize your utility bills by allowing you to control where/when the system will run. Both Bedroom 2 and 3 have updated neutral carpet with allergy padding that flows into the walk-in closets, while bathroom-2 has the optional 7-ft "Big/Tall" shower system for the convenience of that tall guest! All Bathrooms have ceramic tile updates and contain "Comfort Height Elongated" toilets for your pleasure. Whether
Source: SOUTHAR #22419002
Interest rate and monthly payment estimated based on public records.
Source: SOUTHAR #22419002
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: #22419002
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