Under 3% mortgage rate available with assumable loan. Nestled among the tall pines of Payson, this single-level retreat offers the perfect blend of comfort and mountain charm. Featuring 3 bedrooms, 3 bathrooms, and 2,174 sq ft, the open-concept layout is ideal for both everyday living and entertaining. The kitchen shines with corian countertops, a spacious island, and breakfast bar seating. Enjoy natural light from skylights, a split floor plan for privacy, and a dedicated office/den for added flexibility. Step outside to a fenced, tree-lined backyard with room to relax or gather. Complete with a 2-car garage, no HOA, and a prime corner lot--this is your escape to cooler weather and peaceful living.
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 $198,244. 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.