12939 W Prospect Dr Sun City West, AZ 85375
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About this home
NEW CARPET.. PAINT AND STAINLESS STEEL APPLIANCES !!! Welcome to a beautifully maintained home located in a desirable neighborhood just a short half-mile from shopping, dining, banks, pharmacies, and more! This light and bright home offers a spacious and open floor plan featuring two generously sized bedrooms—each with its own walk-in closet—and two full bathrooms. Large windows throughout the home let in plenty of natural light, creating a warm and welcoming atmosphere. The enclosed Arizona room extends the living space and flows seamlessly into the oversized living room and roomy eat-in kitchen—perfect for everyday living and entertaining. A separate formal dining room offers additional space for hosting guests or enjoying meals with family. Convenience continues with a full-size laundry room that includes a utility sink and a man door to the backyard. The oversized 2-car garage offers plenty of storage with built-in cabinets and extra room for your golf cart. Enjoy Arizona's beautiful weather from your charming front courtyard or relax in the backyard under the shade of your very own orange and grapefruit treesproducing some of the sweetest fruit around! Whether you're looking for a full-time residence or a winter getaway, this gem of a home is move-in ready and close to everything Sun City West has to offer!
Source: ARMLS #6833220
Loan details
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Close stress-free in 45 days, handled start to finish by Roam.
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If you find a better price on any home, we’ll match it.
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.
Roam is committed to and abides by the Fair Housing Act and Equal Opportunity Act.