VA ASSUMABLE LOAN OPPORTUNITY at 5.25% | Move-In Ready in Surprise! Beautifully maintained 2023 corner-lot home offering an assumable VA loan opportunity at 5.25% for potential savings!!! (subject to lender approval & buyer qualification.) This MOVE-IN READY home blends style, privacy & convenience with a welcoming formal living area; the cozy family room flows seamlessly into the dining space & kitchen featuring rich dark cabinetry, quartz countertops, subway tile backsplash & center island with breakfast bar seating. The primary suite offers a spacious walk-in closet & ensuite with dual vanities, private toilet room & walk-in shower; the second full bath includes a double vanity & shower/tub combo. Enjoy the updated backyard with synthetic grass, block fencing & extra privacy with no direct rear neighbors. Located in a growing community with walking paths, playgrounds & parks, close to Desert Oasis Elementary with quick access to Loop 303 & AZ-60 for convenient commuting to Luke Air Force Base, Lake Pleasant, shopping, dining & entertainment. An EXCEPTIONAL opportunity for buyers seeking both modern style & financing flexibility!
Yes, as long as you meet the lender's credit (620+) and DTI requirements. You do NOT need to be a veteran to assume a VA loan — this is a common misconception.
You need to cover the seller's equity of $18,223. If you don't have that in cash, we can help structure secondary financing to cover the gap.
Yes — VA assumptions can be used for investment properties. You can rent this home out.
Typically 45 days. The lender underwriting is 2–3 weeks, and the rest is standard closing.
Cash covers the gap between the price and the existing loan balance. Changing this amount does not change the existing mortgage payment.
P&I is principal and interest. PITI also includes estimated taxes and insurance. HOA fees and payments on any additional financing are separate.
Asking price minus remaining loan balance. Closing costs are additional.
The equity gap is covered. Closing costs and assumption fees still need to be confirmed.