*3.99% Assumable Loan* Welcome to this beautiful two-story Hibiscus plan in San Tan Valley's sought-after Wales Ranch community. This nearly new single-family home offers over 2,400 square feet of thoughtfully designed living space featuring 4 spacious bedrooms, 3 full bathrooms, and a versatile upstairs loft perfect for a family room, play area, or home office. Step inside to an inviting main-level bedroom and full bath, ideal for guests or multi-generational living. The heart of the home is the expansive great room, seamlessly connected to a gourmet kitchen with a large center island, quartz countertops, shaker cabinets, and stainless steel appliances. Adjacent dining space flows naturally outdoors to a covered patio, great for Arizona evenings. Upstairs has the primary suite along with additional bedrooms, a generously sized loft flooded with natural light, and a convenient upstairs laundry room complete with washer and dryer. Additional highlights include 9+ foot ceilings, energy-efficient features, a 2-car garage, and low-maintenance desert landscaping. Wales Ranch offers fantastic community amenities including playgrounds, biking/walking paths, and more, all in a family-friendly neighborhood served by the J.O. Combs Unified School District (Kathryn Sue Simonton Elementary and Combs High School). Enjoy easy access to shopping, dining, and outdoor recreation in the growing East Valley!
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 $10,979. 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.