380 W Golden Aspen Dr, San Tan Valley, AZ 85140
3 beds · 2 baths · 2,188 sqft
Are you looking for a fully ADA compliant property? Your search is over! This incredible home was custom built by the homeowners with accessibility in mind! Upon entering the home, you will find a light and bright palette with upgraded 12x24 inch tile floors and a very open concept home. You will see the flex space first, currently used as an office. Continue to the dining room and fully upgraded Chef's kitchen with stainless steel appliances, quartz countertops, a touch on/off faucet, a Reverse Osmosis system, under cabinet lighting and two pantries. The spacious master suite offers plenty of natural light and the master bath features a beautifully upgraded roll in shower, with a roll up vanity as well. The sellers have meticulously cared for this home and it shows with the upgrades they have chosen. Every room has ceiling fans with smart switches. Additional concrete has been added in the driveway for additional parking and convenience. The backyard is fully landscaped and ready for BBQ season! The home is also ready for the holidays as it is pre-wired with Christmas light plugs on the eaves of the homes which connect to an interior switch right by the front door! You will be wowed by this home!
Source: ARMLS #6778097
Source: ARMLS #6778097
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: #6778097
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.