7673 E Circle Wagons Way Unit 6 Prescott Valley, AZ 86315
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About this home
**Seller Concessions to Buyer- Get a Permanent Buy Down on your Rate***This move-in ready Pronghorn Ranch 4 bed, 2 bath home offers an ideal combination of thoughtful updates, functional layout, & peaceful privacy with no neighbor immediately to the west. Step inside to find fresh interior paint and durable waterproof composite flooring flowing throughout the main living areas. A cozy gas fireplace anchors the spacious living room, making it perfect for relaxing or entertaining. Relax & enjoy the reward of long-term energy savings with owned solar—no lease, no payments, just lower electricity bills from day one! The well-designed split floor plan includes two secondary bedrooms & a full bathroom on one side of the home, & a third bedroom with a private entrance from the front patio. while the oversized primary suite is tucked away for maximum privacy. The primary features modern lighting, a walk-in closet, and a fully renovated ensuite bathroom with a custom tile and glass shower. The bright, refreshed kitchen includes a stylish custom back splash and opens to the main living area, offering excellent flow for entertaining and daily living. Just off the laundry room is a 2-car garage with easy access. One of the bedrooms has its own exterior entrance and can be used as a private officeperfect for a work-from home professional, home-based business, or guest quarters. The backyard is a true highlight, with mature landscaping, blooming roses, and an expansive oversized patio ideal for outdoor gatherings. With a utility easement along the west side of the property, you'll enjoy extra privacy and no immediate neighbor on that side. This home has been meticulously maintained and updatedjust move in and enjoy!
Source: ARMLS #6899445
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.