2185 Wildlife Trl Overgaard, AZ 85933
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About this home
Buyers could not perform. Step into this beautifully remodeled gem—an ideal haven for either full-time living or a part-time escape to peaceful surroundings. The heart of the home is a warm, inviting kitchen featuring rich pine cabinetry, a modular certified wood stove for those cozy nights in, and a spacious eat-in area that makes gathering with family and friends a joy. The thoughtful floor plan includes an oversized mudroom, a dedicated laundry space, and a versatile office with its own private entrance—perfect for remote work, creative endeavors, or a quiet retreat. Recent updates include: fresh Behr paint both inside and out, new Samsung appliances, and stylish new LVP flooring that offers durability and easy care. The property is designed with ease of living in mind, offering full handicap accessibility throughout. Outside, the low-maintenance yard is dotted with fruit, pine, and juniper trees, creating a tranquil natural setting. Entertain or unwind on the expansive deck, fully enclosed for privacy thanks to a six-foot fence and with no neighbors on one side. Plenty of off-street parking in the front makes welcoming guests a breeze, and with no HOA, you can truly enjoy the freedom of homeownership. A standout feature is the 9x24 insulated workshop, complete with a concrete floor, attic storage, full electrical setup, and a 15-foot workbench. Whether you imagine it as a guesthouse, a she shed, man cave, or artist's studio, this versatile space adds even more value to an already exceptional property. This home blends comfort, convenience, and flexibility in one welcoming package.
Source: ARMLS #6898421
Neighborhood
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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.