19797 W Lincoln St Buckeye, AZ 85326
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About this home
**SELLER OFFERING $10,000 IN CONCESSIONS TOWARDS BUYER'S CLOSING COSTS, PREPAID EXPENSES, OR INTEREST RATE BUY-DOWN (PERMANENT OR TEMPORARY). A GREAT OPPORTUNITY TO REDUCE YOUR MONTHLY PAYMENT OR BRING LESS CASH TO CLOSE!** Home Sweet Home! This 4 bed, 3 bath well maintained home located in the desirable Blue Horizons community in Buckeye will check all the boxes! Generously sized single level floor plan with 3-car tandem garage & spacious backyard. Split floorplan with den/office space, wood plank tile flooring throughout home w/carpet in all bedrooms. Gourmet kitchen w/staggered cabinets w/pull knobs & crown molding, double ovens, 4-burner gas cooktop, large island w/pendant lighting, granite countertops w/undermount sink, backsplash, RO system & matching whirlpool stainless steel appliances. Master suite features double walk-in closets, separate tub & shower w/glass enclosure & double sinks w/granite countertops & upgraded lighting. Nicely sized additional bedrooms & full bathrooms w/granite countertops, walk-in closet in one bedroom. Enjoy the sunsets from the low maintenance backyard featuring covered patio with paver extension & walkways, turf, gravel/stone, dog run and drip system for any future plants/trees. BONUS - full HVAC replacement in 2024! Other notable features and upgrades include: paver driveway & walkway to front door, garage key pad, security door, rain gutters, two-tone paint throughout, blinds on all windows, fans throughout, speakers in living room, master bedroom & patio, Vivint security system, 9ft ceilings w/2-panel 8ft interior doors, walk-in closet at den/office space, lower cabinets w/sink in laundry room, canned lighting in all the right areas & so much more! Don't miss your opportunity to check out this wonderful home!
Source: ARMLS #6829076
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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.
Roam is committed to and abides by the Fair Housing Act and Equal Opportunity Act.