900 E Rosebud Dr, San Tan Valley, AZ 85143
4 beds · 3 baths · 2,385 sqft
Nestled in the serene community of Rancho Bella Vista, this beautifully maintained 4-bedroom, 2.5-bath home offers 2,385 sq. ft. of spacious living on a generous nearly 10,000 sq. ft. lot. With no backyard neighbors and only one neighbor to the east, this property provides unmatched privacy and tranquility. Featuring a stunning stacked stone front elevation, a builder upgrade that adds charm to curb appeal, and a fresh new exterior paint for a modern touch. The private fenced diving pool, complete with a new motor, is complemented by a pergola for shade—perfect for enjoying sunny Arizona days. Inside, the open and airy floor plan welcomes you with vaulted ceilings and a cozy gas fireplace in the formal living room, featuring a matching tile mantel and plenty of windows that make the space light and bright. The formal living and dining rooms are separated by a decorative knee wall, adding a touch of elegance. The family room also boasts custom shelving in the niche and updated wood-look tile flooring. The kitchen is a chef's dream with maple cabinets, stainless steel appliances, plenty of recessed can lighting, and tons of cabinet space. A convenient kitchen island and updated dinette light fixture add style and functionality. Enjoy stunning views of the pool, patio, and backyard from the kitchen, allowing you to watch family play while preparing meals. The home offers raised panel doors throughout, a convenient half bath downstairs, and decorative wainscoting in bedroom two. The spacious primary bedroom features breathtaking mountain views and an ensuite with an oversized garden tub with decorative block window, walk-in shower and double sinks. Additional highlights include a three-car garage, RV gate, large tile set on a diagonal, and amazing north/south exposure for energy efficiency. The backyard's peaceful ambiance and the home's contemporary-style architecture make this property a true gem. Enjoy the convenience of nearby amenities while living in a peaceful and well-maintained neighborhood. Located in the heart of San Tan Valley, this home is close to a variety of popular attractions. Outdoor enthusiasts will love the proximity to San Tan Mountain Regional Park, offering scenic hiking trails and breathtaking views. Families can enjoy nearby Schnepf Farms, a local favorite for seasonal events, fresh produce and entertainment. For dining and shopping, the vibrant Queen Creek area is just a short drive away, featuring a mix of trendy restaurants and shops. With easy access to parks and community activities, this location combines the best of peaceful suburban living with modern conveniences.
Source: ARMLS #6826719
Source: ARMLS #6826719
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.
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.
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.