1 of 49
$525,000 SIGNIN

Sign in to see required down payment for the 3.1% rate

45539 W Long Way, Maricopa, AZ 85139

5 beds · 3 baths · 2,986 sqft

Welcome to this exceptional 5-bedroom, 3-bathroom home in the highly desirable Maricopa Meadows community with an assumable loan at 2.25%! Packed with upgrades, modern charm, and a backyard oasis, this property is a true gem and an entertainer's dream. From the moment you arrive, the large covered front patio invites you to sit back and enjoy the peaceful surroundings. Step inside to discover a thoughtfully designed interior featuring new carpet, new interior paint throughout, and tile flooring on the main level. The upgraded wooden bannister adds a touch of elegance, while vaulted ceilings and plenty of natural light create a bright and airy ambiance. The heart of the home is the chef's kitchen, complete with granite countertops, a kitchen island, cabinets with crown molding, a new backsplash, and a deep pantry that wraps under the staircase for ample storage. Stainless steel appliances, including a microwave that stays with the home, complete this culinary haven. Adjacent to the kitchen, the large formal living and dining rooms provide the perfect space for hosting gatherings. The large laundry with storage is also on the main level as well as a bedroom and a full bathroom, offering added convenience for guests. Upstairs, you'll find a spacious loft with a homework area, perfect for kids or a home office, as well as generously sized bedrooms with new ceiling fans and lights. The primary suite is a true retreat, featuring double sinks, an extra-large walk-in closet, and a deep soaking tub for ultimate relaxation. Step outside to your private backyard paradise! The 7-foot-deep pool with a grotto, slide, and large Baja step is perfect for cooling off on hot summer days. The fire pit, artificial grass, and low-maintenance landscaping make this space ideal for entertaining or unwinding after a long day. Additional features include newer AC units, updated fixtures in the bathrooms, a large laundry room, and a 2-car garage. Window treatments throughout the home provide added privacy and style. Beyond the home, enjoy the community's amenities, including a lake, picnic areas, a playground, and green belts. Plus, you're just minutes from up-and-coming shopping and dining options, with a new Lowe's, grocery store, restaurants, and an ER hospital all within 2 miles. Schools are conveniently located nearby, making this home perfect for families. With its unbeatable location, countless upgrades, and resort-style backyard, this home is a must-see!

Estimated
Seller's interest rate
3.1%
7%
Estimated
Monthly payment

$1,767
$2,321
You may also save up to $168,236 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 $2,321 monthly payment

Financed
SIGNIN
Location
Use two fingers to move the map
Loan details
Loan type
FHA
Rate
3.1%
Remaining term
25 yrs and 4 mos
Remaining balance

Source: Public records

Monthly payment

All values shown are estimated costs / mo.

Total
$1,767
Principal & interest
$1,153
Mortgage insurance
$191
Property taxes
$108
Home insurance
$245
HOA fees
$70
Utilities
Not included

Source: Public records

Home details
Size
2,986 sqft
Lot size
0.15 acres
Year built
2005
Type
Single Family Residence
HOA dues
$70.00

Source: ARMLS #6838571

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 18, 2025 05:03 pm
Listing agent: Katie Lambert (480) 250-0023
Listing provided courtesy of: eXp Realty (888) 897-7821
Details provided by ARMLS and may not match the public record.
MLS ID: #6838571
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.
Fair Housing Act logo Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.