Experience the rare charm of this rammed earth home, where enduring craftsmanship meets the natural beauty of Northern Arizona. Perfectly positioned in Cottonwood, this one-of-a-kind property captures breathtaking red rock views of Sedona, a daily backdrop that never gets old. Built to last and designed to blend seamlessly with its surroundings, the rammed earth construction offers not only striking architectural character but also exceptional energy efficiency and a sense of quiet, grounded living. The home's design harmonizes beautifully with the lush, mature landscaping, creating a private desert oasis filled with shade, texture, and color. From the Lady Banks Rose arch, perfectly aligned with the arches of the home, to the giant Sycamore, everything was methodically designed. Adding to the versatility is a detached casita, ideal for guests, a private office, or a highly desirable rental opportunity in this sought-after area. Whether you're looking to generate income or host visitors in style, the options are plentiful. This property delivers in a big way with two separate RV parking areas, both equipped with full hookups, perfect for travelers, toys, or accommodating guests with ease. This is more than a home, it's a lifestyle rooted in nature, character, and possibility. At 40 years old, it proves that great design doesn't age, it evolves.
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 $255,142. 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.