3280 N EMERALD CREEK DR, Florence, AZ 85132
Welcome to your dream home in the highly sought-after Anthem Parkside at Merrill Ranch! This stunning 6 bedroom + den, 4.5 bathroom residence offers an impressive 4,232 square feet of luxurious living space, perfect for families of all sizes. With formal living and dining rooms, a family room with gas fireplace, and large upstairs loft, this home provides ample space for comfort and privacy. Enjoy year-round relaxing and entertaining in your resort-style backyard that offers a heated pool and spa, gas firepit, artificial turf for kids & pets to play on, and gazebo-covered outdoor kitchen with built-in BBQ and counter seating. The indoor chef's kitchen is a culinary delight, featuring double wall ovens, a gas cooktop, granite countertops, a walk-in pantry, and two islands. The four car garage offers plenty of room for vehicles and storage. Benefit from energy savings with leased solar panels, reducing your carbon footprint and utility bills. Other features: One bedroom and bath on the main level, perfect for guests. One secondary bedroom has an en-suite bath, and all upstairs bedrooms have walk-in closets (the primary bedroom has TWO!). Anthem Parkside at Merrill Ranch offers resort-style amenities for the entire family! The 43,000 square foot community center includes a fitness center, group fitness studio, multi-use gymnasium, game room, locker rooms, lap pool, the Big Splash water park, a cafe, and outdoor sport courts. In addition, there are over 60 acres of outdoor amenities including 3 lighted softball and baseball fields, 2 soccer fields, multi-purpose fields, an Adventure Playground, splash pad, dog park, catch and release fishing lake, and miles of hiking and biking trails.
Location
Details
How it works
Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step.
Tour
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.
Offer
Roam works with you, your agent, and the listing agent to prepare a mortgage assumption agreement and finalize all details.
Close
Roam coordinates all parts of the transaction and keeps all parties up to date to provide a seamless 45-day close.
Who can qualify
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.
Frequently asked questions
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.
Will an assumption work for me?
An assumption might be a suitable option for you if you meet the lender’s qualifications. We also offer Roam Boost to help buyers reduce the down payment required to a minimum of 5-15%. See below for more FAQs specific to Roam Boost.
Why do buyers use Roam?
Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step.
Roam helps home buyers find and purchase homes with a low-rate assumable mortgage included. Once you find your dream home, Roam manages the process of assuming a low-interest rate mortgage, helping buyers save thousands a year on mortgage payments compared to buying with a traditional mortgage at today’s rates. On average, buyers who use Roam save $15,000 in mortgage payments annually.
MLS ID: #6755560