41562 N WILLOW CT, San Tan Valley, AZ 85140
Discover the perfect blend of privacy and convenience in this beautifully updated 3-bedroom, 2-bathroom home with an office, nestled on a quiet cul-de-sac. With no neighbors behind and just a short walk to the community pool, this home offers a peaceful retreat while keeping everything within reach. Inside, you'll find an open and bright space that immediately feels welcoming. The home features over $35,000 worth of stunning Italian porcelain wood plank tile throughout, complemented by fresh two-tone paint and elegant 72-inch ceiling fans. Remote-controlled blinds allow you to easily adjust the natural light in every room. The kitchen is a standout feature, boasting quartz countertops, a large island with breakfast bar seating, a stylish tile backsplash, stainless steel appliances, a gas range, and 42-inch solid wood cabinetsperfect for both everyday living and entertaining.The owner's suite is designed for comfort, featuring a luxurious walk-in shower, a garden tub for soaking, and a spacious walk-in closet. Step outside to a backyard that's not just low-maintenance but also delightful, with a Meyer lemon tree, a Valencia orange tree, and a garden area. The synthetic grass ensures you can enjoy the space without the hassle of upkeep. Additional perks include a security door, an alarm system, reverse osmosis, a soft water system, epoxy garage floors, and built-in cabinets for extra storage. This home isn't just move-in ready; it's better than new, with unique touches that make it truly special. Ironwood Crossing community offers many amenities include over 20 parks, 2 heated pools, tennis courts, sand volleyball, disc golf course, soccer fields, basketball and pickle ball courts and so much more! Schools & entertainment close by! HOA includes sewer and is very active with many community events for all ages! You will love living here!
You may be able to put down less than the total down payment amount of $214,242 and have the rest of the funds financed with a 2nd mortgage from a lender. 4
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: #6749774