Looking for a lower monthly payment? This home offers a rare opportunity to assume the seller's existing VA loan at just 5.75%, or ask about a lender-paid temporary interest rate buydown! (Subject to lender approval and eligibility). Skip the projects and step into a home that's already done for you! Located in the sought-after community of Anthem at Merrill Ranch, this 4 bedroom home with a den AND loft offers the functionality and space you need, with the upgrades you want. Boasting new wood-look flooring throughout (no carpet), soft paint tones, and an open great room floorplan designed for comfortable everyday living and easy entertaining. The kitchen is both functional and inviting with rich espresso cabinetry, granite countertops, and stainless steel appliances. Thoughtful touches like upstairs laundry, ceiling fans, window treatments throughout, and a warranted water softener with whole home RO system add even more value, comfort, and convenience--making this home truly move-in ready from day one! Step outsideto a beautifully finished backyard designed for low-maintenance enjoyment, complete with turf that looks great year-round, paver accents, mature landscaping, stylish lighting, and a large covered patio--perfect for family time, relaxing, or hosting. Positioned on a desirable corner lot, this home offers added space and privacy. Upstairs, the spacious primary suite provides a comfortable retreat with dual sinks, a walk-in closet, and plenty of natural light, while the additional bedrooms, loft, and den offer flexible living options for work, play, or guests. Enjoy all the benefits of living in Anthem at Merrill Ranch, known for its resort-style amenities, including community pools, fitness center, golf course, parks, walking trails, playgrounds, and a vibrant calendar of events that create a true sense of community. This is the perfect opportunity for buyers seeking a home that combines functionality, space, upgrades, and a fully completed living experience, without the wait or added expense!
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 $22,200. 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.