NEW-BUILD FEEL WITHOUT THE NEW-BUILD TO-DO LIST! This 2-year-old home has $40K+ in upgrades & improvements already completed--so you can move in & enjoy it from day one. Both front & back yards are fully landscaped, including pet-friendly artificial turf, raised planters with drip irrigation, covered patio, pavers, built-in fire pit & hot tub! Inside, neutral finishes & upgraded matte-black details give the home a current, polished look. Smart/WiFi-connected HVAC, appliances & security add everyday convenience. The sound-insulated, prewired 2nd bedroom is ready for movies, gaming or an office, plus a separate front flex room adds even more usable space. Why buy new, then spend the time & money finishing it? Here, the upgrades & landscaping are done! Just move in! The owners envisioned something special and delivered it: a private hot tub for unwinding under the Arizona stars, a cozy fire pit for those perfect desert evenings, pet-friendly synthetic turf that stays lush and green year-round without lifting a finger, and raised garden beds already producing fresh tomatoes and jalapeños. It's like having a salsa maker that conveys with the home! This is the backyard you've been pinning on Pinterest, and it's already built. And the location? Surprise is one of the fastest growing and most desirable cities in the entire Phoenix metro. Close to the Loop 303, White Tank Mountain trails, Lake Pleasant, Surprise Stadium, top-rated schools, and the booming employment hubs of the West Valley. The Sunrise community itself offers parks, walking and biking trails, and a genuine sense of neighborhood. The new construction down the street doesn't have this backyard. It doesn't have these upgrades. And it's not available today. This one is. Don't let someone else get it first.
Yes, as long as you meet the lender's credit (620+) and DTI requirements. FHA assumptions require you to use the home as your primary residence.
You need to cover the seller's equity of $44,844. If you don't have that in cash, we can help structure secondary financing to cover the gap.
No — FHA loans require owner-occupancy. If you're an investor, ask us about our VA inventory.
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.