Welcome to this well-maintained three-bedroom, two-bath home in Trailwood, a desirable community in the heart of Payson. Offering approximately 1,600 square feet, the home features a spacious living and dining area with vaulted ceilings and a cozy gas fireplace. The updated kitchen includes all appliances and a convenient pass-through that keeps you connected with guests while cooking and entertaining. The primary suite features a vaulted ceiling, a generous walk-in closet with built-in storage, and a beautifully remodeled en-suite bathroom with dual vanities and a spacious walk-in shower. An adjoining private retreat provides versatile bonus space for a home office, reading nook, or hobby area. Two additional bedrooms, a guest bathroom, and a laundry room with a utility sink complete the interior. The oversized two-car garage includes a workbench and additional storage. Outside, the covered patio opens to a spacious yard with mature pine trees, multiple sitting areas, low-maintenance artificial turf perfect for pets or play, an RV gate, and a storage shed. An existing 220-volt electrical connection offers the option to add a spa and create your own relaxing backyard retreat.
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 $291,284. 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.