Assumable Mortgages in Arizona: Your Gateway to Homeownership at Lower Rates

Looking to buy a home in the vibrant Arizona market? Consider the advantage of assumable mortgages, a unique opportunity to secure a home loan with a potentially lower interest rate than current market rates. Our platform is designed to connect Arizona home buyers and sellers who are interested in the benefits of assumable mortgages.

What We Offer:

  • Extensive Listings: Explore a wide range of Arizona homes available for purchase with assumable mortgages. Filter by location, price, property type, and more to find your ideal home.
  • Educational Resources: Learn everything you need to know about assumable mortgages, from how they work to their eligibility requirements and potential benefits. Our resources will guide you through the process.
  • Expert Guidance: Connect with Terry Day a real estate professional that specializes in assumable mortgage transactions. Get personalized advice and support throughout your home-buying journey.

Why Choose Assumable Mortgages in Arizona:

  • Lower Interest Rates: Benefit from potentially lower interest rates compared to new mortgage loans, especially in a rising rate environment.
  • Flexible Financing: Explore various assumable mortgage options, including FHA, VA, and conventional loans.
  • Unique Opportunity: Gain access to properties that might not be available through traditional financing methods.

Find Your Dream Home in Arizona with an Assumable Mortgage. Start your search today and discover the advantages of this unique homeownership path.

$390,000
3 Beds ⋅ 2 Baths ⋅ 7061532 MLS ⋅ 1,560 SqFt.
Welcome to this well-maintained 3-bedroom, 2-bath home featuring owned solar panels for added energy efficiency, a refreshing private pool, and a versatile bonus room with its own private entrance--perfect for guests, a home office, or multi-generational living. Inside, you'll find beautiful tile flooring throughout the main living areas and a functional layout designed for comfortable living. Step outside to enjoy a spacious backyard with plenty of room for entertaining, relaxing, or creating your own outdoor retreat. This home offers the perfect combination of comfort, flexibility, and energy savings. Don't miss the opportunity to make this exceptional property your next home!

3916 W Northern Avenue, Phoenix
$770,000
3 Beds ⋅ 3 Baths ⋅ 7061525 MLS ⋅ 2,987 SqFt.
Experience spacious single-level living with breathtaking mountain views in this beautifully upgraded 4-bedroom, 3-bath home with a separate den and over 3,100 square feet. The open concept kitchen features extended cabinetry, slide out drawers, a wine refrigerator and a full suite of newer appliances, including a Bosch dishwasher, five burner gas cooktop, oversized microwave and double ovens with a French door convection oven. Two custom 8 foot sliding patio doors open to an impressive backyard retreat complete with a saltwater pool, solar pool heating, motorized patio shades, ceiling fans and a misting system. The covered patio also features an upgraded finished ceiling, creating a comfortable outdoor living space designed for year-round enjoyment. Inside, plantation shutters, upgraded lighting, ceiling fans, decorative pony walls with columns and a custom entertainment wall add character throughout. The primary bathroom features stylish barn doors, while the upgraded guest bathroom includes a new shower enclosure, vanity, mirror and lighting. Additional improvements include new carpet in the formal living room, a water softener, cabinetry in the laundry room and garage, and a 220-volt garage outlet. Paid-in-full solar panels provide added energy efficiency with no solar lease payment.

521 E Mineral Road, Phoenix
$599,000
3 Beds ⋅ 2 Baths ⋅ 7061519 MLS ⋅ 1,546 SqFt.
The desert gem offers you the great Arizona lifestyle! Tastefully updated & remodeled home, new roof & AC with the BEST Superstition Mountain views ever! Turn-key furnished home with A LOT of special features & upgrades. Super nice resort backyard with heated pool & spa, covered patio to enjoy el fresco dining & sunsets. Relaxing outdoor Sun Bed & fire pit. Home backs to natural desert for privacy. Open floor plan with high ceilings & a lot of natural light. 3 bedrooms & custom built-in office area. Enjoy both a living room & great room for entertaining! Updated modern kitchen, SS appliances, breakfast room & breakfast bar. Nice master suite & updated master bathroom, lemon & lime trees & more! Minutes to Gold Canyon's Dinosaur Mountain & sidewinder premium golf courses, hiking, off-road & biking trails, dining, shopping, 24 hr fitness gym, yoga studio, medical facilities, churches & much more! You will LOVE this home & living in scenic & peaceful Gold Canyon! The East Valley's best kept secret!

4297 S Pony Rider Trail, Gold Canyon
$375,000
7061518 MLS
Build your dream home on this exceptional vacant lot in a highly desirable, established neighborhood. This ready-to-build parcel offers the rare benefit of flood irrigation, providing added value for landscaping and mature trees. Centrally located with convenient access to shopping, dining, schools, parks, and major freeways, you'll enjoy the perfect blend of neighborhood charm and everyday convenience. Don't miss this opportunity to create a custom home in one of the Mesa's most sought-after locations!

1733 E Elmwood Street Unit 41, Mesa
$75,000
7061516 MLS
Build your dream home or invest in the growing Tonopah area! This 1 acre residentially zoned parcel provides wide-open desert space and privacy. Flat, usable land in no flood zone with strong development potential. Enjoy beautiful mountain views and easy access to major roads. No HOA. A great opportunity for homeowners, builders, or long-term investors.

W Jones Avenue Unit n/a, Tonopah
$440,000
3 Beds ⋅ 2 Baths ⋅ 7061515 MLS ⋅ 1,810 SqFt.
Welcome to this inviting single-story home in Florence offering flexible living spaces designed for comfort and everyday enjoyment. The open great room features oversized sliding doors that extend the living area onto a fully screened-in back patio--perfect for relaxing, entertaining, or enjoying Arizona's indoor-outdoor lifestyle. The spacious backyard offers artificial grass for easy maintenance, a pavered seating area, and added privacy with no neighbors directly behind. The oversized 2.5-car garage adds even more versatility. The extra space is currently being used as a salon and includes a mini-split system for comfortable cooling, making it an excellent option for a home office, studio, hobby room, or private workspace. This home offers plenty of room to live, work, and unwind.

10059 E Barley Road, Florence
$314,000
3 Beds ⋅ 2 Baths ⋅ 7061512 MLS ⋅ 1,494 SqFt.
Welcome to Amarillo Creek, one of Maricopa's most sought-after newer communities! Constructed in 2024 by award winning builder Ashton Woods, this beautifully upgraded 3-bedroom, 2-bath home offers the perfect blend of modern design, comfort, and functionality. Step inside to a thoughtfully designed open floor plan with professionally selected finishes throughout. The gourmet kitchen serves as the heart of the home, featuring granite countertops, crisp white cabinetry, stainless steel appliances, and abundant workspace, perfect for everyday living and entertaining. Luxury wood-look tile flows seamlessly through the main living areas, creating a clean, contemporary feel, while the bedrooms offer warmth and comfort. Designer finishes, a neutral color palette, and quality craftsmanship make this home truly move-in ready. Enjoy life in Amarillo Creek, with convenient access to parks, schools, shopping, dining, and everything Maricopa has to offer.

47863 W Kenner Drive, Maricopa
$110,000
7061511 MLS
Looking for the perfect place to live, start a small business, or just enjoy some space? This beautiful 1-acre lot is packed with potential and ready for you! Located on paved Buckeye Road, just 5 minutes from the I-10 freeway, this property offers both convenience and comfort in a fast-growing area. The lot includes a charming tiny house equipped with A/C and electricity, making it move-in or business-ready. It's fully gated, with wide gates for easy access, and even comes with a corral--perfect if you have animals or want to add some country charm. Whether you're thinking of a home-based business, weekend retreat, or a place to build your dream, this lot gives you options. You'll love being just minutes from schools, shopping centers, restaurants, and gas stations.

Buckeye Rd -- Unit -, Tonopah
$464,000
4 Beds ⋅ 3 Baths ⋅ 7061507 MLS ⋅ 2,199 SqFt.
This single-story home in the desirable Ranch Mercado subdivision in Surprise! Featuring 4 bedrooms, 3 baths, and 2,199 square feet of thoughtfully designed living space, this home offers a spacious split floor plan for added privacy. The kitchen features granite countertops and stainless steel appliances, creating a stylish and practical space for everyday living and entertaining. The dedicated laundry room includes a convenient utility sink. With a well-designed single-level layout and desirable features throughout, this home is ready to welcome its next owner.

24580 N 144th Avenue, Surprise
$359,000
3 Beds ⋅ 2 Baths ⋅ 7061506 MLS ⋅ 1,407 SqFt.
Welcome to this charming single-level home in Glendale! Offering 3 beds, 2 baths, & a 2-car garage. The inviting interior showcases a designer palette, abundant natural light, wood-look tile flooring in common areas, and soft carpet in bedrooms. The welcoming living area seamlessly flows onto the cozy dining space, perfect for entertaining! The spotless kitchen boasts SS appliances, quartz counters, recessed lighting, subway tile backsplash, white shaker cabinetry, and a breakfast bar. The double-door main bedroom has a walk-in closet and a private bathroom w/tiled shower. Check out the spacious backyard, featuring a covered patio & mature trees! Make this gem yours!

5409 W Seldon Lane, Glendale
$589,000
3 Beds ⋅ 2 Baths ⋅ 7061500 MLS ⋅ 1,954 SqFt.
Meticulously maintained and truly move-in ready, this stunning 2018-built home in Trailside at Happy Valley is ideally positioned adjacent to the community park, creating the feel of an expanded backyard with additional green space just steps away. Major updates are already complete, including a proactively replaced HVAC system (2024), eliminating one of the biggest maintenance concerns for years to come. Resort-style outdoor living features a heated pool and spa with water feature, travertine decking, mature privacy hedges, and a hard-plumbed gas line for a BBQ or fire pit. Inside, the open-concept floor plan offers a spacious primary suite, versatile 4th bedroom or office, tankless water heater, and whole-home indoor/outdoor sound system. Enjoy an exceptional North Peoria lifestyle with Sunrise Mountain Preserve directly across the street, offering premier hiking and mountain biking just moments from your front door. Lake Pleasant Crossing is only minutes away for shopping, dining, and everyday conveniences, while the continued expansion of the TSMC semiconductor campus and the transformative $100 million Trailhead development are bringing even more retail, restaurants, entertainment, and employment opportunities to one of the Valley's fastest-growing areas. Thoughtfully updated, impeccably maintained, and ideally located, this exceptional home offers the perfect balance of comfort, convenience, and resort-style outdoor living. Schedule your private showing today.

24752 N 96th Avenue, Peoria
$579,000
3 Beds ⋅ 2 Baths ⋅ 7061499 MLS ⋅ 1,800 SqFt.
Desirable North Phoenix Neighborhood!!!! This 3 Bedroom plus Den/Office is nestled on a quite cudelsac street in a private, peaceful neighborhood surrounded by mountain views! Easy access to both Loop 101 & SR51, Desert Ridge Marketplace for shopping & dinning. Home offers a open concept living with vaulted ceilings, skylight. Kitchen that has Corian counters, stainless appliances, breakfast nook,a large island opens to the family room. Primary suite is seperate from the other bedrooms, has a large bay window, includes a walk-in closet, seperate tub/shower. Low maintance desert landscaping front and backyard.

2506 E Casitas Del Rio Drive E, Phoenix
$235,000
2 Beds ⋅ 2 Baths ⋅ 7061498 MLS ⋅ 890 SqFt.
Welcome to this 2-bedroom, 2-bath condo in a convenient Central Phoenix location. The home features a comfortable layout, fresh interior paint, and a low maintenance lifestyle. Enjoy being minutes from Arcadia, Biltmore, Scottsdale, and Downtown Phoenix with nearby shopping, restaurants, coffee shops and entertainment. Easy access to interstate 202 makes commuting around the Valley simple. A great opportunity for a first-time buyer, someone looking for a convenient lock-and-leave home, or an investment property.

2228 N 52nd Street Unit 241, Phoenix
$595,000
4 Beds ⋅ 3 Baths ⋅ 7061497 MLS ⋅ 3,300 SqFt.
Welcome to this beautifully maintained home in the desirable community of Surprise Farms, offering the perfect combination of space, functionality, and outdoor living. This thoughtfully designed floor plan features multiple living areas, soaring ceilings, and an open-concept layout ideal for both everyday living and entertaining. The spacious kitchen serves as the heart of the home with granite countertops, stainless steel appliances, abundant cabinetry, a breakfast bar, and a seamless connection to the family room. Upstairs, a generous loft provides flexible space for a media room, game room, home office, or play area. The oversized primary suite offers a private retreat complete with an ensuite bath featuring dual vanities, a soaking tub, separate shower, and walk-in closet. Step outside to your own backyard oasis featuring a covered patio, sparkling PebbleTec pool, and low-maintenance landscaping, perfect for relaxing or hosting family and friends year round. A three car garage and RV gate provide plenty of room for vehicles, toys, and additional storage. Conveniently located near parks, schools, shopping, dining, and everyday amenities with easy access to major commuter routes, this move-in ready home offers the space, comfort, and lifestyle today's buyers are looking for.

17940 W Desert Lane, Surprise
$460,000
3 Beds ⋅ 2 Baths ⋅ 7061496 MLS ⋅ 1,700 SqFt.
Newly built on original foundation, 1700 square foot home features a sleek modern design with three spacious bedrooms and two luxurious bathrooms, along with a vast family room perfect for activities and relaxation. Also comes with an expansive backyard, which offers endless possibilities for outdoor living and landscaping.

11510 E Vine Avenue, Mesa
$6,450,000
6 Beds ⋅ 6 Baths ⋅ 7061495 MLS ⋅ 7,788 SqFt.
Exceptional contemporary Mediterranean estate on a quiet Paradise Valley cul-de-sac blending timeless architecture with modern luxury. Situated on an expansive lot, this meticulously updated home features soaring ceilings, wide-plank hardwood floors, a dramatic glass wine display, a chef's kitchen with premium appliances and oversized quartz island, luxurious primary suite, spacious secondary bedrooms, home theater, fitness room, and a detached casita that doubles as a private guest house and executive office. Resort-style backyard offers a pool, spa, outdoor kitchen, multiple fireplaces, covered pavilion, full sport court with pickleball, putting green, lush landscaping, and exceptional privacy, just minutes from world-class golf, dining, shopping, and premier resorts.

5210 E Via Los Caballos Lane, Paradise Valley
$650,000
4 Beds ⋅ 3 Baths ⋅ 7061494 MLS ⋅ 2,382 SqFt.

1046 E Phelps Street, Gilbert
$195,000
2 Beds ⋅ 2 Baths ⋅ 7061492 MLS ⋅ 1,152 SqFt.
Welcome to this charming two-story condominium, located just steps from the community pool! The inviting and functional layout features tile flooring, recessed lighting and stylish neutral finishes. The updated kitchen includes shaker-style cabinetry, a tile backsplash, quartz countertops and modern black-and-white appliances. Enjoy your morning coffee or peaceful evenings on the covered front patio, while the covered rear area provides shaded parking for two vehicles. With comfortable living spaces and convenient community amenities, this home is ready for its next owner!

6565 N 19th Avenue Unit 27, Phoenix
$270,000
1 Beds ⋅ 1 Baths ⋅ 7061487 MLS ⋅ 1,036 SqFt.
Incredible opportunity to own over 8 acres of peaceful desert land in Tonopah, Arizona, with breathtaking mountain views and wide-open space. This nice 1,036 sq ft cottage offers 1 bedroom, 1 full bathroom, kitchen, living room, dining room, and a newer roof (2021). HVAC (2024). Siding (2024) Shared Water Well w/ New plumbing & pressure tank (2018), Fridge (2024), Hot Water Heater (2025) and a private septic system. Level desert terrain provides plenty of room for horses, barns, corrals, riding arenas, RV parking, trucks, trailers, and off-road toys. Ride directly from your property and enjoy the surrounding Arizona desert. Convenient I-10 access offers an easy commute while maintaining privacy, seclusion, and rural living.

3412 N 427th Avenue, Tonopah
$115,000
2 Beds ⋅ 2 Baths ⋅ 7061480 MLS ⋅ 1,012 SqFt.
This beautifully maintained 2005 Cavco home offers the perfect blend of comfort and functionality with an open, inviting layout. A skylight fills the living area with natural light, creating a bright and welcoming atmosphere. Just off the living room, the all season Arizona room provides the perfect space for reading, relaxing, or enjoying your morning coffee. The primary suite features a walk in closet and ensuite. Thoughtfully updated with numerous recent improvements, including luxury vinyl plank flooring throughout, recessed LED can lighting in the kitchen and hall, new ceiling fans, and new 2 inch white faux wood blinds. Additional updates include toilets, water heater with all new plumbing, professionally cleaned air vents, and a newer roof, making this home truly move in rea

5402 E Mckellips Road Unit 257, Mesa
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