12330 W Cactus Blossom Trl Peoria, AZ 85383
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About this home
Stylish and spacious home located in the desirable Vistancia community! This 3-bedroom plus loft and tower sitting area floor plan offers flexibility and comfort for modern living. Featuring two master bedrooms and three full bathrooms upstairs, plus a convenient half bath downstairs, this home is ideal for multi-generational living or hosting guests. The large kitchen is a showstopper with gray cabinetry, quartz countertops, a breakfast bar, gas stove, microwave, and refrigerator—perfect for everyday meals or entertaining. The great room opens to the patio through expansive sliding glass doors, creating a seamless indoor-outdoor flow. Solar has been added for maximum energy efficiency. Solar Loan not Lease. Beautiful wood-look tile flooring downstairs and vinyl plank upstairs add warmth and style throughout. The primary suite includes a balcony with Arcadia door access, perfect for relaxing evenings. Additional features include a water softener for convenience and comfort. Located in Vistancia, you'll enjoy resort-style amenities including five community pools, parks, and walking trailsall in a beautiful master-planned setting.
Source: ARMLS #6937023
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FAQs
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.
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.
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.
When assuming the existing mortgage as part of a home purchase, the buyer has to cover the seller’s equity in the home. The seller’s equity is the purchase price minus the remaining mortgage balance. This amount must be covered in full through an all-cash down payment or by taking out a second mortgage.
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