3BD/2.5BA home in The Orchards of Surprise with 2,485 SF and a potential 4.125% assumable loan, subject to lender approval and qualification. Soaring ceilings and over 2,485 square feet of thoughtfully designed living space set the stage for this beautifully maintained home. Built in 2004, this two-story home offers 3 bedrooms, 2.5 bathrooms, multiple living areas, and versatile spaces that can easily adapt to your lifestyle. The kitchen serves as the heart of the home with granite countertops, an oversized island with seating, stainless steel appliances, abundant cabinetry, and an open connection to the dining area and family room. Natural light fills the main living spaces, while the soaring ceiling in the formal living room creates an inviting first impression and adds architectural.... character. Designed with flexibility in mind, the home features both an upstairs loft & an additional downstairs flex space that can serve as a home office, media room, hobby space, workout area, play area or study. Tile flooring extends throughout the main living areas, while carpet provides comfort in the bedrooms, loft, and family room. A convenient half bath is also located on the main level for guests. The spacious primary suite offers a relaxing retreat with a walk-in closet, dual sink vanity, separate garden tub and shower, and a private water closet. Two additional bedrooms and the upstairs loft provide comfortable separation between living and sleeping spaces. Outside, enjoy a covered patio and backyard ready for relaxing or entertaining. A two-car garage and low-maintenance landscaping complete the property. Located in The Orchards, residents enjoy convenient access to the Surprise Recreation Campus, aquatic center, library, parks, tennis courts, fishing lake, Surprise Stadium, shopping, dining, grocery stores, and everyday services. The neighborhood also offers convenient access to schools and major West Valley commuter routes.
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 $184,451. 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.