25 Miner Cir Sedona, AZ 86351
Your savings
About this home
Gone are the days of 2.5% interest rates - not for this property! Attention Active Military and Veterans: this home offers an assumable VA mortgage at 2.5% interest with 27 years remaining (entitlement qualification required). In addition, Sellers are offering a $10,000 credit to Buyer at closing to assist with a rate buydown (if a second mortgage is used) or to offset closing costs. Bordering the Oak Creek Country Club golf course, this single-level 4 bedroom / 3 bath home blends modern updates with authentic Sedona character on a quiet cul-de-sac within the Village of Oak Creek. This light and bright home has been renovated with a thoughtful new floorplan designed for maximum storage and an effortless flow. Approx. 3,576 sq ft with an open-concept kitchen, dining, and living room create an inviting atmosphere, complemented by 4 bedrooms, 3 bathrooms, and a dedicated family room perfect for entertaining. You'll love the huge prepper's pantry, multiple walk-in closets, mudroom/laundry, and a versatile tool room/workshop. Recent improvements include a new flat roof and skylights, new windows and exterior doors, custom gas fireplace insert, and luxury vinyl plank flooring throughout. Warm wood finishesceiling beams, barn doors, window sills, and trimadd warmth and texture. Mechanical updates: converted to natural gas, new septic and leach field. Two-car covered carport. Outdoor living is truly a dream here! You'll relax and unwind in the numerous spaces designed to soak in Sedona's Red Rock views and epic sunsets while enjoying our desirable year-round mild weather. The property boasts lush landscaping in both the front and back yards, established gardens and fruit trees, and separately fenced areas for pets! Outdoor living is maximized with a covered patio and a carport that doubles as a large shaded outdoor space with porch swing. Landscaped 0.29-acre lot includes direct access to the golf course, a fenced yard, enclosed pet area, massive garden, fruit trees, storage shed/tool room/workshop, and more. Partial unfinished basement for additional storage. Location advantages: - 1.5 mi to Sedona Vista Village (Butterfly Burger, Pisa Lisa, Sedona Juice Co, Retail) - 1.4 mi to Clark's Market & Deli - 3 mi to Bell Rock & Courthouse Butte Trail Systems - 3.9 mi to Red Rock Crossing on Oak Creek Includes video, 3D virtual tour and floor plans in listing media. Factual search cues: single-level home | open layout | vaulted ceilings | skylights | golf course lot | fenced yard | covered patio |outdoor space | sunset views | gas fireplace | luxury vinyl plank flooring | two living areas | workshop space | four beds with three baths | mudroom | walk-in pantry | assumable VA mortgage 2.5% | seller credit $10,000 | near trails | near shopping and restaurants | Oak Creek Country Club community | Village of Oak Creek location. This is an exceptional opportunity to embrace a tranquil Sedona lifestyle without compromising on proximity!
Source: ARMLS #6923882
Loan details
Neighborhood
45-day close guarantee
Close stress-free in 45 days, handled start to finish by Roam.
Roam Price Match
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.