3076 E La Costa Dr Gilbert, AZ 85298
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About this home
Experience luxury living in the prestigious gated community of Acacia Estates in Gilbert! This stunning 4,247 sq ft estate sits on an oversized lot and features 4 bedrooms, 3.5 bathrooms, and a full detached casita with a private bathroom, perfect for guests or multi-generational living. As you step through the front door, you're greeted by a floor to ceiling glass slider that floods the home with natural light and offers a seamless indoor/outdoor flow. The open concept kitchen is truly the heart of the home and ideal for entertaining. Rich wood flooring warms the main living and dining areas, while elegant travertine laid in a herringbone pattern adds a touch of sophistication throughout the rest of the home. Retreat to the grand primary suite, where you'll find two massive walk in closets and a spa-inspired bathroom featuring a soaking tub, a massive walk in shower, double vanities, and custom luxury back-lit mirrors. The detached casita offers complete privacy and flexibility, whether for guests, office space, or extended family. Step into your own private backyard resort, complete with a Pebble Tec pool, custom water feature, and slide for the kids. Relax under the pergola with a built in gas BBQ and gas stub while enjoying Arizona sunsets. The backyard also includes a flourishing orchard with fruit trees and plenty of storage space. Additional features include an extended FULL 4 car garage and an owned solar system for maximum energy efficiency. This home truly has it all, luxury, space, and lifestyle in one of Gilbert's most sought-after communities.
Source: ARMLS #6890116
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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.
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