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On this page: What Is an Assumable Mortgage? | How It Works | Loan Types | Benefits & Risks | The Process | FAQs

What Is an Assumable Mortgage?

An assumable mortgage is a home loan that allows the buyer to take over the seller's existing mortgage — including its original interest rate, remaining balance, and loan terms — instead of obtaining a new loan at current market rates. In a high-rate environment, this can be one of the most powerful tools available to home buyers, allowing access to interest rates that may be 2–4 percentage points below what is currently available in the market.

The concept is straightforward: if a seller purchased their home in 2020 or 2021 with a 3.0% or 3.5% FHA or VA loan, a qualified buyer can step into that loan rather than taking out a new mortgage at today's higher rates. The monthly payment savings can be dramatic — potentially $500–$1,000 or more per month on a typical Arizona home purchase, representing tens of thousands of dollars in savings over the life of the loan.

Assumable mortgages are not widely advertised, and many buyers and even some real estate agents are unaware that this option exists for certain loan types. Working with an agent who understands assumable financing and actively identifies assumable listings can give you a meaningful competitive advantage in the current market.

How Assumable Mortgages Work in Arizona

When a buyer assumes a seller's mortgage, the lender must approve the transaction. The buyer applies through the existing loan servicer — the same lender managing the seller's loan — and undergoes a qualification process similar to a standard loan application: credit check, income verification, debt-to-income analysis, and approval. The key difference is that upon approval, the buyer takes over the existing loan's rate and remaining term rather than starting a new 30-year mortgage at current rates.

Handling the equity gap. The primary complexity in most assumable transactions is the gap between the assumed loan balance and the purchase price. If a seller has a $250,000 remaining balance on a home now worth $450,000, the buyer needs to cover the $200,000 difference — typically with a combination of down payment cash and a second loan. Options for funding this gap include cash, a home equity loan, a second mortgage, or in some cases a seller-financed second. The math on whether the below-market first mortgage rate outweighs the cost of the gap financing determines whether the assumption actually saves money versus a conventional purchase.

Timeline considerations. VA loan assumptions can take 45–90 days or longer through the approval process — longer than a standard purchase transaction. Buyers pursuing assumptions should build this extended timeline into their planning, particularly if they have a firm move-in date or a lease expiring.

The seller's release of liability. Sellers need to ensure they receive a formal release of liability from the lender upon the assumption's completion — particularly critical for VA loan sellers, since their VA entitlement remains encumbered until either the buyer receives a substitution of entitlement (must be a veteran) or the loan is refinanced or paid off. Without a proper release, the seller remains legally responsible for the loan even after transferring the home.

Which Loan Types Are Assumable?

FHA Loans — Assumable with lender approval. FHA (Federal Housing Administration) loans are assumable by any qualified buyer — the assuming buyer does not need to be a veteran or meet any special eligibility beyond creditworthiness and income qualification. FHA loans originated between 2020 and 2022 when rates were at historic lows represent some of the most attractive assumption opportunities available. The assuming buyer must qualify through the FHA lender and meet standard FHA credit and income requirements. FHA assumptions do not require the buyer to be a first-time homebuyer.

VA Loans — Assumable by veterans and civilians. VA (Veterans Affairs) loans are assumable by both veterans and non-veteran buyers, though the mechanics differ. When a non-veteran assumes a VA loan, the original veteran seller's VA entitlement remains tied up until the loan is paid off or refinanced — which can limit the seller's ability to use VA financing for a future purchase. When a qualified veteran assumes the loan and the lender approves a substitution of entitlement, the seller's entitlement is restored. VA loan assumptions require lender approval and full buyer qualification through the VA loan servicer. VA loans from 2020–2022 at rates as low as 2.25%–3.5% represent extraordinary assumption opportunities.

USDA Loans — Assumable with restrictions. USDA (U.S. Department of Agriculture) rural development loans are technically assumable but with additional USDA approval requirements. The assuming buyer must meet USDA income and eligibility requirements for the property location. USDA assumable loans are less common in the Phoenix metro's primary markets but may apply to properties in rural areas like Coolidge, Florence, or outlying San Tan Valley.

Conventional Loans — Generally NOT assumable. The vast majority of conventional loans (Fannie Mae and Freddie Mac-backed mortgages) include due-on-sale clauses that require the full balance to be paid upon transfer of the property. There are rare exceptions, but in practice, conventional loans are not assumable. Buyers and sellers with conventional loans should not plan for assumption as an option.

Benefits and Risks of Assumable Mortgages

Key benefits for buyers:

The primary benefit is access to a below-market interest rate, which translates directly into a lower monthly payment and significantly reduced total interest paid over the life of the loan. In a market where current mortgage rates are 6.5%–7.5%, assuming a seller's 3.0%–3.5% FHA or VA loan can reduce monthly principal and interest payments by $400–$1,000+ on a typical Arizona purchase — savings that compound dramatically over a 30-year horizon.

Buyers also benefit from reduced closing costs compared to originating a new loan — no origination fees, no points, and in most cases lower overall lender fees since the assumption goes through the existing servicer. The VA funding fee is also reduced or eliminated in many assumption scenarios versus new VA loan origination.

Key risks and limitations for buyers:

The equity gap is the primary challenge — most assumable loans have been partially paid down and the home has appreciated, meaning buyers need significant cash or secondary financing to cover the difference. If the gap is large enough that secondary financing is required at a high rate, the blended cost of funds may reduce or eliminate the rate savings.

Extended timelines are a real risk — VA assumption approvals in particular can drag on, and sellers may not be willing to wait. Having experienced representation that understands how to structure and accelerate assumption transactions is essential.

Key considerations for sellers:

Sellers with low-rate FHA or VA loans have a legitimate marketing advantage that should be emphasized in their listing strategy. An assumable 3% loan is a genuine feature that attracts buyers and can justify a higher sale price. However, sellers must understand their release of liability requirements, particularly VA sellers who need to protect their entitlement for future purchases.

How to Buy a Home with an Assumable Mortgage in Arizona

Step 1 — Identify assumable listings. Not all listings advertise assumable financing, and many sellers are not even aware their loan is assumable. Finding assumable listings requires an agent who actively searches MLS data for FHA and VA loan types and identifies candidates. The search above shows current Arizona listings — contact us and we will identify which have assumable financing.

Step 2 — Confirm the loan details. Before structuring an offer around an assumption, confirm the loan type (FHA or VA), remaining balance, current interest rate, and remaining term. The seller's lender or loan servicer can provide these details. Calculate whether the equity gap is financeable given your available cash and secondary financing options.

Step 3 — Make an offer that accounts for assumption. Offers on assumable transactions need to include specific contingency language for assumption approval and realistic timelines. A standard 30-day close is typically not feasible for VA assumptions — build in 60–90 days. Structure your offer to protect your earnest money if assumption approval is denied.

Step 4 — Apply through the existing servicer. The assumption application goes directly to the seller's loan servicer — not a new lender of your choosing. You will provide full income, credit, and asset documentation for qualification. The servicer reviews and approves or denies the assumption based on their underwriting standards.

Step 5 — Gap financing if needed. If you cannot cover the equity gap with cash, arrange secondary financing in parallel. This may be a home equity loan, a second mortgage, or seller financing. Coordinate the timing of both approvals to ensure a smooth close.

Step 6 — Close and record the assumption. At closing, the deed transfers to the buyer and the assumption agreement is executed and recorded. Confirm the seller's release of liability is documented. For VA transactions, confirm entitlement restoration or substitution is properly handled.

Frequently Asked Questions About Assumable Mortgages in Arizona

How do I know if a home has an assumable mortgage?
MLS listings do not always note assumability, but FHA and VA loan types are often visible in listing data. Your agent can research the seller's loan type and contact the listing agent to confirm. Many sellers are not aware their loan is assumable — your agent surfacing this can actually be a positive conversation that opens negotiation.

Do I need to be a veteran to assume a VA loan?
No — civilian buyers can assume VA loans with lender approval. However, the VA seller's entitlement remains encumbered until the loan is paid off or refinanced unless the assuming buyer is a qualifying veteran who executes a substitution of entitlement. Sellers should understand this implication for their future VA loan eligibility before agreeing to a civilian assumption.

What credit score do I need to assume an FHA loan?
FHA loan assumptions generally require a minimum 580 credit score (some lenders 620+), though lender-specific overlays may require higher scores. Income, debt-to-income ratio, and employment stability are also evaluated. The qualification process mirrors a standard FHA loan application.

Are there assumable mortgage listings in the Phoenix East Valley area?
Yes — given the high volume of FHA and VA purchases that occurred during 2020–2022, there are assumable loan opportunities across Gilbert, Chandler, Queen Creek, Mesa, and other Phoenix metro markets. These do not always surface in standard searches — contact us and we will actively search for assumable options that match your criteria.

Can the seller charge a premium for an assumable loan?
Sellers can price their homes to reflect the value of below-market financing — and many do, or should. A home with an assumable 3% VA loan in a 7% rate environment has a quantifiable financial advantage worth thousands of dollars per year in payment savings. The market is increasingly recognizing and pricing this value.

Looking for homes with assumable mortgages in Arizona? Contact Megan & Jason Williams — call or text us at 480-618-1890. We actively search for assumable financing opportunities and can help you navigate the assumption process from offer to close.

Homes for Sale with Assumable Loans

$570,000
4 Beds 3 Baths 7078011 MLS 2,229 SqFt.
This is THE ONE! This 2023 home isn't just like-new, it has the kind of charm and character that sets it apart from everything else on the market. The sellers styled it beautifully: designer-inspired accent walls, modern paint in warm tones, updated light fixtures, and new wood-look tile throughout with fresh carpet in the bedrooms. Simply add a door to the current flex space for an easy 4th bedroom, or keep it as a playroom or office, it already has a closet for extra storage. And the upgrades that matter go beyond looks: 10 foot ceilings, double glass sliding door, top-of-the-line GE Café appliances, quartz countertops, reverse osmosis, oversized island, and a gourmet kitchen setup with a hood, cooktop, built-in oven and more. Step outside to a fully landscaped backyard built for entertaining. Featuring an extended covered patio, oversized pavers with a luxury feel, sun shades, a built-in gas fire pit, a rare magnolia tree, storage shed and a generous grassy area. The temperature-controlled 3-car tandem garage comes with extra insulation, ample built-in storage cabinets and overhead storage with epoxy floors to create your home gym, workshop or to store all your toys. The location genuinely can't be beat with The Four Corners and all that Peoria has to offer just 10 minutes east of you and Asante in Surprise about 5 minutes west. Your front door is just steps from a community greenbelt and playground that basically functions as an extension of your own backyard. This single-level-only community means no two-story neighbors blocking your view, just open sky and desert mountain views in every direction. Built for community and connection, the neighborhood offers walking and biking paths, playgrounds, basketball courts, and volleyball courts around nearly every corner. VA-eligible buyers: ask your agent about assuming the seller's VA loan for a payment that beats today's market at a 5.75% rate. Welcome home.

14178 W Calle Lejos --, Surprise

$345,000
2 Beds 2 Baths 7077740 MLS 910 SqFt.
Welcome home to this beautiful 2-bedroom, 2-bathroom Chandler home offering 910 square feet of comfortable, low-maintenance living in a convenient location. The home features tile flooring throughout, fresh interior paint, and a functional layout. The primary suite includes a private bathroom, while both bathrooms have received partial renovations for a refreshed feel. The kitchen includes a newer refrigerator installed in 2025, along with a reverse osmosis system and water softener installed in 2020. Several important improvements have already been taken care of, including a new roof in 2023 and water heater installed in 2021. The A/C system has also been recently serviced, including coil cleaning and routine filter maintenance, and the water heater has been serviced for added peace mind. Step outside to a spacious backyard with plenty of room for entertaining, relaxing, pets, or creating your own outdoor retreat. A covered patio provides a great spot to enjoy Arizona evenings. Additional features include a one-car garage and neighborhood parking. Conveniently located near a variety of restaurants, shopping, everyday conveniences, and easy freeway access, this Chandler home combines location, outdoor space, and valuable recent improvements in one inviting package. Whether you are looking for your first home, downsizing, or searching for a low-maintenance property, this home is ready for its next owner.

5614 W Buffalo Street, Chandler

$1,299,000
3 Beds 3 Baths 7077628 MLS 3,403 SqFt.
Waterfront luxury living awaits in this exceptional Chandler residence, where sophisticated interiors meet an incredible resort-style outdoor retreat. Perfectly positioned on the water, this beautifully updated home offers an unparalleled Arizona lifestyle with tranquil views, effortless indoor-outdoor living, and exceptional spaces designed for both entertaining and everyday enjoyment. From the moment you arrive, the attention to detail is evident. A paver driveway, freshly painted exterior and surrounding fence, and professionally designed low-maintenance landscaping create an impressive first impression. Inside, the home showcases timeless travertine tile and hardwood flooring, plantation shutters throughout, two fireplaces, and a beautifully appointed kitchen featuring an expansive granite island, built-in refrigerator, freshly painted cabinetry and countertops, and a new dishwasher. The seamless connection between the interior and outdoors is highlighted by a stunning folding glass door, opening the living space to the spectacular waterfront backyard. Step outside to your own private oasis featuring a heated in-ground pool, two fire pits, landscape lighting, artificial turf, and a large 13-foot pool umbrella. A remote-controlled awning with screen provides additional shade and comfort, creating the perfect setting for poolside afternoons, sunset gatherings, and al fresco entertaining overlooking the water. The luxurious primary suite offers a beautifully remodeled bathroom completed in 2023, featuring a relaxing soaking tub and elevated finishes. The guest/cabana bathroom was also thoughtfully updated in 2023. Throughout the home, modern conveniences include LED lighting, a reverse osmosis water filtration system, and built-in surround sound with 13 speakers, creating an exceptional environment for entertaining. The garage is equally impressive, featuring an epoxy-coated floor, extensive built-in storage, new garage doors and opener, and an advanced water treatment system with an activated carbon filter with automatic backwash and an ultraviolet purification system. Behind the scenes, extensive improvements provide exceptional comfort and peace of mind, including a new roof in 2018, two new A/C units and ductwork air purification system in 2021, two new water heaters in 2019, and an additional 8 inches of attic insulation added in 2025. For the ultimate Arizona lifestyle, select non-fixture items are also available for purchase, including a 2020 pontoon boat, wine cooler, Maytag washer and dryer, and additional refrigerator. Beautifully appointed, extensively upgraded, and uniquely positioned on the waterfront, this is more than a home--it is a private retreat designed for enjoying the very best of Arizona living.

750 W Azalea Drive, Chandler

$3,500,000
5 Beds 7 Baths 7077506 MLS 8,624 SqFt.
8,600+ SF | 2.2 ACRES | NO HOA | MOUNTAIN VIEWS | 6-CAR GARAGE + RV GARAGE | HEATED POOL | REMODELED KITCHEN & GREAT ROOM | FIRST-FLOOR CASITA&MIL SUITE | PRIVATE-ENTRY GUEST SUITE A true North Scottsdale luxury estate where extraordinary scale, refined design, and resort-style living come together on 2.2 private acres with stunning mountain views and no HOA. Spanning more than 8,600 square feet, this remarkable residence offers an exceptional combination of grandeur, functionality, and flexibility, with five bedrooms, seven bathrooms, a six-car garage, and a dedicated RV garage. At the heart of the home is a spectacularly remodeled kitchen and living space designed to impress. The chef's kitchen is beautifully appointed with a Wolf range, built-in refrigerators, an oversized island, a dedicated coffee bar, and a hidden pantry that keeps everyday essentials tucked discreetly away. The remodeled living area creates an inviting yet sophisticated setting for both intimate gatherings and grand-scale entertaining, with seamless flow throughout the main living spaces. The remodeled living area creates an inviting yet sophisticated setting for both intimate gatherings and grand-scale entertaining, with seamless flow throughout the main living spaces. Designed with privacy and versatility in mind, the home offers multiple luxurious accommodations. A private mother-in-law suite on the first floor provides an ideal retreat for extended family or guests, while an additional guest suite features its own separate entrance, offering exceptional flexibility for visitors, multigenerational living, or a private workspace. Step outside and experience the best of the Arizona lifestyle. The expansive backyard is framed by breathtaking mountain views and offers a heated pool and generous spaces for entertaining, relaxing, and enjoying the spectacular surroundings. A dedicated turf field adds a rare recreational element, creating the perfect setting for everything from family activities to outdoor gatherings. We cannot forget about the multiple outdoor entertaining spaces! The front covered patio will have amazing sunset views, the backyard has a spacious lounging area for morning coffee or afternoon happy hour. The upstairs balcony is perfect for watching the sunrise or shade from the afternoon heat. The estate's impressive garage accommodations are equally exceptional, with a six-car garage and separate RV garage providing an extraordinary amount of space for vehicles, recreational toys, storage, and hobbies. A dedicated workshop and versatile flex room provide additional space for storage, hobbies, equipment, or future customization. Plans for a casita further enhance the property's potential, offering an exciting opportunity to expand the estate's living and guest accommodations. A freshly painted exterior enhances the property's impressive curb appeal, while the sprawling 2.2-acre setting provides the privacy and sense of space that discerning North Scottsdale buyers desire--all without the restrictions of an HOA. Rarely does a property offer this combination of scale, privacy, luxury, flexibility, and location. From the completely remodeled heart of the home to the resort-style backyard and extraordinary garage capacity, this is an estate designed for those who expect more from North Scottsdale living.

7621 E Dixileta Drive, Scottsdale

$1,275,000
5 Beds 4 Baths 7077269 MLS 4,007 SqFt.
Rare opportunity to experience elevated desert mountain living with breathtaking panoramic views and enjoy a LOAN ASSUMPTION OPTION AT 3.75%. Step through a custom wood entry door to soaring 12ft ceilings, lighted art niches, hickory & slate tile flooring and open indoor living spaces flowing seamlessly into a backyard retreat - signature features of a quality TW Lewis home. This FULLY FURNISHED 4,000 + sq ft home features 5 spacious bedrooms, 4 bathrooms with an open great room floorplan AND extended length/height 3 car garage. Mother-in-law suite or welcome guests into a private bedroom with ensuite bath. Outdoors, a negative infinity-edge pool, spa, built-in BBQ & multiple entertaining spaces overlooking panoramic views of Westwing & Sunrise Mountains delivering unforgettable sunsets. Minutes from top rated schools, shopping, restaurants & some of the best AZmountain hiking trails! Again, all furnishings convey except for a few personal items. Furniture is less than 2 years old. Many newer features and improvements since 2023 including a complete roof replacement in 2026, irrigation system replaced with PVC, complete interior paint, interior plumbing upgrades, remote controlled blinds in Primary and Family Room, partial pool remodel including many Smart features controlled by phone app and much more. For a complete list of most recent improvements by the current owners, see the documents tab.

27562 N 83rd Glen, Peoria

$849,000
3 Beds 2 Baths 7076748 MLS 1,540 SqFt.
Your dream home is here! Over one acre property featuring a sparkling POOL, horse privelages, OWNED SOLAR that is paid off, single story home with coveted FLOOD IRRIGATION! Located in the beautiful clearwater farms neighborhood of Waddell. Easy access to 303 freeway, shopping, dining, general store, white tank library , hiking trails, and dunns arena for riding. Drive up to lush real grass thanks to affordable flood irrigation, a large driveway easily holding 4 vehicles, an electric vehicle charger and 2 car attached garage. Theres also room for RV and trailer or toy parking next to the driveway and behind the RV gate. Enter your beautifully remodeled single story home with an open concept, upgraded luxury plank flooring, vaulted ceilings, neutral creamy paint and upgraded basebaords You will love the white kitchen including stunning GE CAFE white and gold appliances- fridge, dishwasher and oven. Custom hood, floating wood shelves, gold hardware, and upgraded tile backsplash. The view from the kitchen sink showcases your lush green backyard and sparkling pool. The primary bedroom features fresh paint, ceiling fan, wood shutters, walk-in closet and new bathroom vanity, mirror and lighting, plus a skylight for natural light. Both guest bedrooms have vaulted ceilings and gorgeous views out the windows and fresh paint. The guest bathroom includes custom vanity, tile backsplash, upgraded mirror and lighting. Interior laundry room has fresh paint, upgraded lighting and includes Samsung washer and dryer. Step outside to your entertainers paradise backyard with MOUNTAIN VIEWS and the most incredible sunset views. The covered patio has been extended across the length of the home keeping you cool in the summers. Theres a SALTWATER hot tub under the patio plus a REDLIGHT sauna. The play pool has a baja step, dining table area, rock waterfall feature and steps for easy use, shallow on both ends and 5 feet deep in center. Two lush palm trees create a tropical ambiance. Pool is maintained weekly and annually. You will love your lemon tree producing 100s of lemons each year. Theres also a raised garden with mint, basil, pepper, strawberries, rosemary, and lavender. Behind the block wall is your farm animal dream area! 6 covered metal pipe stalls and 5 enclosed stalls with power and lighting, plus two water spigots on each end. Round pen and pasture, with large shade trees. Pipe fencing on the west side facing the neighbors pasture and block wall fencing on three other sides. 2 large storage sheds sitting on concrete pads make great tack rooms. You will love this slower pace living while still being close to ammenites. This home is ready for you to bring the animals and the toys. New AC with warranty in 2025. Fresh exterior paint August 2026. Paid off solar keeps APS power bills lower! Septic tank has a clear report recently completed. OWNER AGENT.

17624 W Maryland Avenue, Waddell

$374,900
2 Beds 2 Baths 7076585 MLS 1,526 SqFt.
Welcome to Sun City Festival, a premier 55+ active adult community where resort-style living meets comfort and convenience. This inviting 2-bdrm/2bath split flrplan home - High Demand Odyssey Model - features a spacious kitchen w/abundant cabinets, ample granite counters, large island & walk-in pantry all overlooking the light & airy living space. Flexible dining space--perfect for either formal or casual gatherings. Primary bdrm with an ensuite bath w/dual sinks, WI shower & lg WI closet. Step outside to the easy-care backyard, w/block fencing and cov'd patio w/ceil fan-ideal spot to unwind and enjoy beautiful AZ sunsets. Need extra garage space? You'll appreciate the 4-ft garage extension, providing plenty of room for a truck, golf cart, or additional storage. Additional features inc.. Ceramic tile t/o except bdrms have carpet, ceiling fans t/o, soft-water loop, all appliances included, and plumbing ready for a sink in the laundry-room, whole house fan and pre-wired for surround sound. Approved Safeway going in on corner of Sun Valley Parkway and Canyon Springs behind the Shell gas station. Perfectly sized, easy to maintain, and located in a community packed with amenities, this home offers the ideal Arizona adult lifestyle. Residents enjoy an impressive array of amenities, including an expansive events center, recreation center, pools, gyms, clubs and classes, Wood Shop and Craft Studios, pickleball & tennis courts, ball field, pet parks, on-site dining/bar, and a 27-hole golf course and pro shop. Allow extra time for your visit --there is so much to see and enjoy at Sun City Festival. Welcome home!

21286 N 271st Drive, Buckeye

$850,000
5 Beds 4 Baths 7076482 MLS 4,008 SqFt.
Privacy, Serenity, Comfort & Panoramic Mountain & Sunset Views Await You at This 4,000+ Sq Ft Custom Ranch Featuring 5 Bedrooms + Office - 3.5 Bathrooms and 3 Car Garage Located on 1-Acre in Chandler Heights Ranches! Open Concept Living Features 12-Foot Ceilings, Travertine Flooring Throughout, Vaulted Archways, Great Room Perfect for Entertaining, Circular Dining Area + Chef's Kitchen with Island, Walk-In Pantry, Stainless Steel Appliances, Granite Countertops All Open to Great Room Living Area. Upon Entering Find Two Convenient Flex Spaces: Office-Bonus Room and Den-Gym with Closet. Spacious Primary Bed-Bath Suite Offers Spacious Walk-In Closet, Two Separate Vanities with Jetted Soaking Tub Between, Large Walk-In Shower with Bench & Floor to Ceiling Glass Surround! Split Floor Plan Layout Showcases 4 Guest Bedrooms: 2 Bedrooms with Jack and Jill Bathroom, Dual Sinks and Walk-In Shower with Glass Insert - 2 Additional Bedrooms, One with Bonus Room and Direct Access to Back Patio Area, Share Full Bathroom. The Oversized Laundry Room Has Utility Tub, Cabinets, Washer-Dryer Area and Attached Mud Room Room with Direct Access to Back Patio. Retreat to Quiet Backyard Perfect for Relaxing by Brick Fire-Pit. Conveniently Located Near Mountain Hiking and Biking Trails + Entertainment, Shopping, Dining and San Tan Valley Foothills Schools - Yet The Perfect Opportunity To Make This Private, Custom Estate - HOME!

28142 N Sandridge Drive, San Tan Valley

$749,900
4 Beds 5 Baths 7076350 MLS 4,275 SqFt.
MAJESTIC, VERSATILE & DESIGNED FOR MULTI-GENERATIONAL LIVING! This exceptional just-under-4,300 sf, 4-Bedroom home offers 3 ensuite Bedrooms, an Office, Den, and expansive Loft, plus TWO PRIMARY SUITES; one upstairs and one downstairs; each with a spacious sitting room. A thoughtfully designed floor plan provides exceptional flexibility for multi-generational living, guests, work-from-home needs, entertaining, or simply having room for everyone to spread out. From the moment you enter, the soaring foyer with clerestory windows and two elegant wood-and-spindle staircases creates a dramatic and majestic first impression. The spacious main level features an open kitchen with stainless steel appliances, granite countertops, butcher-block island, pantry, and travertine backsplash, . . . opening to the living and dining areas. A conveniently located downstairs laundry room adds everyday functionality, while newer HVAC systems and water softener provide added peace of mind. The main level also features beautiful travertine tile throughout and real wood floors in the great room, with carpeting in the bedrooms, loft, landing, and stairs. The downstairs primary suite offers a spacious sitting room and ensuite bath, creating a private retreat with the convenience of being on the main floor. Upstairs, a huge loft provides additional living space and features built-in cabinets w/ monitors included, along with the second primary suite and additional split bedrooms. Bedroom 3 also features built-in shelves and cabinetry, w/ drawers adding valuable storage and functionality. With multiple ensuite bedrooms and thoughtfully separated living spaces, this home offers an abundance of options for family and guests. The garage is equipped with two 30-amp electrical receptacles for higher-demand equipment, professionally installed by a licensed electrician, providing added electrical capacity for a variety of needs. The outdoor living space is equally impressive, featuring a covered patio, extended pavers leading to a firepit, sparkling pebble-finish pool with a dramatic rock waterfall feature, and low-maintenance synthetic grass. The side-yard patio near the garage provides additional outdoor living space and connects directly to the interior office. The office could also be utilized as a formal dining room, while the kitchen dining area offers a more casual everyday dining space--another example of the home's flexibility. Located in a beautiful community featuring nearly 20 acres of greenbelts, lakes, walking paths, playgrounds, ramadas, picnic areas, basketball courts, and open-air recreational spaces. Conveniently located near shopping, dining, and everyday amenities and served by the highly regarded Chandler Unified School District. A truly special home offering impressive architectural details, flexible living spaces, exceptional indoor-outdoor living, and an unbeatable location.

3265 E Aris Drive, Gilbert

$569,000
4 Beds 2 Baths 7075940 MLS 2,156 SqFt.
NO HOA, PREPAID SOLAR & A BACKYARD MADE FOR ARIZONA LIVING! This beautifully updated Mesa home combines custom craftsmanship, thoughtful improvements and an outdoor space that truly sets it apart. Inside, tile flooring throughout makes for easy maintenance, while the remodeled kitchen showcases custom maple cabinetry crafted by a master carpenter with walnut inlay, soft-close hinges, built-in drawer dividers, extra lower-cabinet storage and granite countertops. Custom closet systems provide additional organized storage throughout the home. Step outside to your own private backyard retreat. The pool, added in 2022, features dual deck-jet water features and a color-changing LED pool light for evening enjoyment. An expansive covered patio provides plenty of shaded outdoor living space, whi the built-in gazebo/ramada, complete with electricity creates the perfect setting for entertaining, dining outdoors or relaxing by the pool. Artificial turf completes the look for easy-care Arizona living. Major improvements include a new roof (2023), Krasiva dual-pane windows (2022), A/C (2021), artificial turf (2021) and water heater (2019). Additional features include a prepaid solar lease, upgraded insulation and duct sealing for improved energy efficiency, an extended-length garage with built-in cabinetry, wood blinds and plumbing ready for a water softener. And there's NO HOA! Conveniently located in central Mesa with easy access to shopping, dining, Mesa Community College, Banner Desert Medical Center, US-60 and Loop 101. With its custom interior details, extensive improvements, solar, pool and exceptional outdoor living spaces, this is a home that would be difficult to recreate at this price point.

1810 S Heritage --, Mesa

$799,000
3 Beds 2 Baths 7075733 MLS 2,282 SqFt.
Exuding polished sophistication and timeless elegance, this iconic Golf-Course Custom Stonecrest with Private Pool stands as a rare jewel within the prestigious The Grand. Perfectly positioned on one of the community's largest and most private cul-de-sac golf lots--17,618 sq ft--this residence delivers uninterrupted luxury from front to back. The approach is striking, with lush, manicured curb appeal accented by new 2025 front pavers, setting the tone for the exceptional quality found throughout. The resort-style backyard is a true sanctuary, featuring a fully redone private swimming pool (2025) wrapped in travertine decking, upgraded irrigation, new rock and the addition of five palm trees and fruit trees, creating a lush, secluded oasis. Inside, the home unfolds with continuous upgraded tile flooring (2023), remodeled baseboards, and the thoughtful removal of the media wall, enhancing the architectural openness and elegance. A fresh 2023 interior paint palette and new plantation shutters elevate the home's refined aesthetic, complemented by newer window replacements throughout most of the residence. The 2023 remodeled primary bath is a spa-inspired retreat, showcasing a large tiled shower, dual sinks, a private toilet room, and an expansive walk-in closet. The kitchen has been beautifully updated with Quartzite countertops and a custom bar area with beverage cooler, blending functionality with luxury. This beloved Stonecrest floor plan is celebrated for its versatility--its formal living and dining spaces can flex as bonus rooms, lounge areas, or hobby retreats, adapting effortlessly to any lifestyle. The family room is wrapped in windows, offering serene pool and golf views while maintaining exceptional privacy. Major mechanical updates add peace of mind: new roof (2023), new patio roof (2024), new hot water tank (2026), and 2025 epoxy garage flooring with expanded space for a golf cart. Meticulously cared for and extensively upgraded, this residence is a rare opportunity for buyers seeking a truly refined, move-in-ready luxury home on one of The Grand's most coveted golf lots.

16549 W Arroyo Court, Surprise

$530,000
3 Beds 3 Baths 7075652 MLS 1,728 SqFt.
Honey! Stop the Car! A must see. You are welcomed by the brightness and warmth the home shares. Your sunk in living area gives you the view of front yard. Your great room shares the open kitchen allows you to stay in the conversation with family and friends while preparing your favorite dishes. On those nights when you want to put a special touch on the evenings, grab your favorite beverage a good book or turn on your favorite TV show and Light your fireplace to put the comfort on the evening. Fireplace is either electric with color light feature or wood for no excuse usage. Laundry room has additional cabinets with stacked pull outs for organization of your items. Your extended covered patio has room for everyone to enjoy your company and back yard. Get ready to ''Jump In'' and cool off then share the festivities with the BBQ'r grilling, help the hosts as they pass the side dishes through the passthrough window from the kitchen. Evening patio times allows you to enjoy the beautiful sunsets. This home offers the opportunity to create memories. Solar System installed October 2025. SPECIAL FEATURES: Induction Cooktop, Convection Microwave, Laundry room has additional cabinet space with pull outs for organization. 100 watt sub panel - Oct 2025 electrical redone throughout home- 220 in garage - AC 2021-Glass faced kitchen cabinets - Fireplace Electric with aviance light feature or Wood - H20 Heater July 2026 - Garage Door September 2025-Pool Pebble Tech 2025- Pool Pump Nov 2025-Sand pump sand changed 2025-Pool electrical redone 2025-Back Patio Fans, Lights, TV, Serving bar, Gazebo-Storage Shed- Conversation Brick Firepit Area- RV gates front and back yard to Alley.

1502 N 25th Street, Mesa

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