**VA assumable loan at 2.75% -- available to both veteran and non-veteran buyers with lender approval.*** Lowest-priced comparable 4-bed home in Russell Ranch. Don't miss this exceptional opportunity: Rare in today's market. Seller motivated and will consider a credit which may be applied toward rate buy-down on the non-assumed financed portion, closing costs, paint or carpet. Bring your OFFER NOW before it's too late! This semi-custom 18000+ private home on a corner-lot backs up to common area with some nice upgrades and mountain views represents significant savings versus current market rates. The open great room flows effortlessly with a stone fireplace, built-in entertainment center niche, and a gourmet granite kitchen featuring a sit-down island, gas range, and stainless appliances. The split primary bedroom features an elegant tray ceiling with indirect ambient lighting. The en-suite bath offers a double vanity, separate shower, private toilet room, walk-in closet, and a luxurious walk-in spa tub designed for deep relaxation and hydrotherapy. It's the kind of feature you didn't think you needed until you try it! The three additional bedrooms and guest baths are positioned on the other side of the home to offer flexibility and privacy for guests or multigenerational living. The 3-car garage and RV gate with dedicated parking is a standout with gleaming epoxy floors, cabinets, its own mini-split system, a commercial-grade air compressor (included), and two newer garage door openers -- ideal for car enthusiasts or hobbyists. Russell Ranch is known for its large lots, semi-custom homes, and pride of ownership. Verrado Village, golf, hiking, dining, and shopping all nearby. Enjoy proximity to Surprise Stadium, Camelback Ranch - Glendale, Goodyear Ballpark, and Peoria Sports Complex, plus the Arizona Cardinals' State Farm Stadium and Westgate Entertainment District. Minutes to Loop 303, I-10, Loop 101, and I-17, offering quick routes to Phoenix, Prescott, or Las Vegas -- ideal for weekend getaways or commuting flexibility. This prime West Valley location combines easy access to sports, dining, and entertainment with the privacy, space, and a backyard that make this Russell Ranch home truly stand out. Don't let this opportunity with all its features pass you by. Come with your vision, experience it in person and feel the difference for yourself! UPGRADES & FEATURES -Two A/C units (one new 2023) -Rheem water heater (2021) -Central vacuum system -Security system with cameras -RV gate + dedicated pad -Epoxy garage floors + mini-split system -Built-in BBQ + remote patio sunshades -Hand-painted mural + custom putting green -Wall niches with recessed lighting -Large storage shed (newer) -All appliances included (washer & dryer) -Updated lighting and ceiling fans throughout -Smart thermostats and garage door openers
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 $264,504. 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.