VA loan
1 of 69
VA loan
$1,400,000 SIGNIN

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33601 N 64th St, Scottsdale, AZ 85266

4 beds · 3 baths · 3,009 sqft

RARE 4-BEDROOM VENTUS SERIES 3 MODEL WITH A FULL 3-CAR GARAGE, LOCATED ON AN OVERSIZED LOT THAT BACKS TO A LARGE NATURAL PRESERVE IN ONE OF TERRAVITA'S QUIETEST CORNERS. Updated in a clean transitional style, the home features classic white shaker cabinets with raised panels, brushed nickel hardware, high-end stainless steel appliances, a minimalist mosaic backsplash, and sleek quartz countertops. The family room renovation is a true standout. The centerpiece is a see-through linear gas fireplace with a modern glass bed and remote-controlled color lighting, set into a custom-built feature wall with integrated seating ledges. A floating wood mantel adds warmth and frames the mounted TV, making the entire wall a striking focal point. There's also a handcrafted alder wood pass-through wine bar, complete with glass storage and a wine cooler to keep your favorites chilled.This floorplan is known for its versatility, with soaring 14-foot coffered ceilings and 8-foot interior doors throughout. The island kitchen opens wide to the family room, and the secondary bedrooms are tucked away, allowing for a flexible guest suite setup. Outdoor living is just as impressive. A private front courtyard with a custom gate leads to the large backyard designed for year-round enjoyment. There's a heated spool (a pool-spa combo) with a tranquil waterfall, surrounded by travertine tile decking for a high-end finish. You'll also find a built-in firepit with cozy seating and a stainless steel BBQ station with serving space just steps away. Mature desert landscaping, mountain views, soaring saguaros, a shade tree, and a view fence to the natural preserve all create a peaceful, private setting that still connects beautifully with the surrounding Sonoran Desert. Some of the features are: Renovated in a modern transitional style HVAC Replaced Soaring 14-foot coffered ceilings Updated white raised-panel cabinetry Quartz countertops with glass tile backsplash 20x20 neutral tile flooring 5" basswood plantation shutters throughout Walk-in pantry Two-sided linear gas fireplace with color-changing feature Stainless steel KitchenAid appliances Standalone ice maker Wine cooler with pass-through bar All-new laundry room cabinetry Alarm system Brushed nickel hardware throughout Central vacuum system Renovated bathroom with new cabinets and quartz counters Garage Features New garage doors Epoxied garage floor Recirculating hot water pump Ample built-in storage Backyard access door Oversized backyard backing to NAOS (natural area open space) Private and quiet setting Travertine patio Built-in natural gas BBQ with seating and serving area Front courtyard with custom gate Phantom screen door Security screen doors throughout Welcome to Terravita - Where Lifestyle is the True Luxury Dear Prospective Homebuyer, If you're considering making Terravita your home, know that you're not just buying a property; you're embracing a lifestyle that's rich, engaging, and brimming with opportunities. Terravita stands as a testament to a community that values experiences, relationships, and personal growth over mere bricks and mortar. Here, the house you buy is simply a gateway to the life you desire. A visit to Terravita's clubhouse and a brief tour of the amenities is essential - it's not just recommended; it's crucial. It is literally what you are buying. If you are just looking for a house, this is likely not the place for you. Dialing 480-488- 3456 can set you on a path to discovering a world where every day is a new adventure. This initial tour is more than just a walkthrough; it's an eye-opener to the vibrant, active lifestyle that awaits you. Many have said that understanding the depth and breadth of Terravita's amenities was a pivotal moment in their decision to join our community. We invite you to take the first step towards discovering if Terravita is the right fit for you. It's not just about finding a home; it's about finding a place where you can live your life to the fullest. The lifestyle you've dreamed of is here, waiting for you to embrace it. Remember, exploring Terravita starts with a tour of our clubhouse and amenities. Make that choice today and open the door to a world where life is rich, full, and wonderfully yours. Terravita is a guard gated 823 acre planned community which consists of many amenities including an 18 hole championship golf course, a 39,000 square foot newly remodeled clubhouse facility with 2 dining areas, a heated 25 meter pool with easy beach front entrance and hot tub, 6 tennis courts and a full-time tennis pro, a 13,000 square foot health and fitness center, community-wide 6 mile long walking and jogging trails, and extensive event calendar with fun-filled events for the dozens of social organizations. Terravita Golf and Country Club has been voted Best Master Planned Community and Best Private Golf Club numerous times by Ranking Arizona. Terravita was created by Del Webb and was their first non-age restricted community. Terravita golf course was created by PGA Hall of Fame member Billy Casper and designer Greg Nash. Terravita golf amenities include a pro shop, a large driving range, and four separate areas to practice chipping and putting.

Estimated
Seller's interest rate
4%
7%
Estimated
Monthly payment

$4,406
$5,374
You may also save up to $280,493 in total interest paid.

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.

Financials
Seller’s estimated current equity is SIGNIN
To assume this mortgage you must cover the seller’s equity by using your cash or by combining your cash with gap financing.
Estimated $5,374 monthly payment

Financed
SIGNIN
Location
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Loan details
Loan type
VA
Rate
4%
Remaining term
24 yrs and 2 mos
Remaining balance

Source: Public records

Monthly payment

All values shown are estimated costs / mo.

Total
$4,406
Principal & interest
$2,936
Mortgage insurance
-
Property taxes
$360
Home insurance
$653
HOA fees
$457
Utilities
Not included

Source: Public records

Home details
Size
3,067 sqft
Lot size
0.22 acres
Year built
1995
Type
Single Family Residence
HOA dues
$457.00

Source: ARMLS #6840439

Qualify

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.

Resources
Frequently asked questions

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.

View all FAQs
Last updated: Apr 24, 2025 05:01 pm
Listing agent: Scott Gaertner (602) 369-6601
Listing provided courtesy of: Keller Williams Arizona Realty (480) 767-3000
Details provided by ARMLS and may not match the public record.
MLS ID: #6840439
Copyright © 2025 Arizona Regional Multiple Listing Service, Inc. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified. Information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.
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$4,406
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