20962 W Thomas Rd Buckeye, AZ 85396
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About this home
Step into refined comfort in this elegant 3 bedroom, 2.5-bath, 3 car garage home with a versatile den perfectly suited as a home office, creative space, or optional 4th bedroom. From the moment you enter, you'll notice the curated details, including rich accent walls and a custom-built desk that blends form and function. The expansive primary suite offers a peaceful retreat, complete with a generous walk-in closet and private en suite bath. Upgrades abound throughout the home, including owned solar panels, a newer insulated garage door, Culligan water softener with R/O system bringing luxury and efficiency together seamlessly. With a 2-year-old HVAC system and a 2019 water heater, this home offers peace of mind with every modern convenience. Outdoors, the low-maintenance backyard becomes your personal space to relax, recharge, and entertain after a long day. Nestled in a vibrant master-planned community, you'll enjoy resort-style amenities including a sparkling pool, clubhouse, fitness center, playground, golf course, pickleball courts, and more. Whether you're staying active or simply soaking in the lifestyle, this is the place to be. Live beautifully. Live comfortably, Welcome home. Check out the 2 year Aps bill for the low electrical bills. Garage door replace 3/2024. 2/2025 maxlife srings L/T
Source: ARMLS #6866808
Neighborhood
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Close stress-free in 45 days, handled start to finish by Roam.
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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.