Assumable Mortgages · Avondale, Arizona
Assumable mortgage homes in Avondale, AZ
Some Avondale homes for sale come with something you can't get from a lender today: the seller's existing low-rate mortgage. With an assumable VA or FHA loan, a qualified buyer takes over the seller's loan, rate and all. I track the active Avondale listings that appear to carry one, and you can search them here.
See Avondale homes with an assumable mortgage Book a free strategy sessionA short drive from Luke Air Force Base
Why Avondale is worth watching
Avondale sits just south of Luke Air Force Base, and it has long been one of the more affordable places to buy in the Southwest Valley. That combination means many homeowners here bought with VA and FHA loans, a good number of them when rates were far lower than today. Those are the two most common kinds of loans that can be assumed. Avondale is home to Phoenix Raceway and sits at the junction of I-10 and Loop 101, a short drive from State Farm Stadium and Westgate in neighboring Glendale.
I cover all of Avondale, including Garden Lakes, Coldwater Springs, Rancho Santa Fe, Crystal Gardens and Las Ligas.
If you're buying
Buying near Luke AFB
You do not need to be a veteran to assume a VA loan; you do need to qualify with the loan servicer. If you are a veteran or active duty, there is an added benefit: you may be able to substitute your own VA entitlement for the seller's, which frees the seller's entitlement for their next home. I explain how that works before you write an offer.
If you're selling
Selling a Avondale home with a VA or FHA loan
Your low rate may be one of the most valuable features of your home. I confirm with your servicer that the loan can be assumed, market the rate alongside the house, and walk you through what happens to your VA entitlement before you decide.
Good to know
What to know before you start
The buyer pays the difference between the price and the loan balance, in cash or with a second loan. The servicer has to approve the buyer, and an assumption often takes longer than a standard closing. Loan details shown on this site are estimates from public records until I verify them with the listing agent.
How assumable mortgages work · Search assumable homes across Greater Phoenix · How to assume a VA loan in Arizona · How to assume an FHA loan in Arizona
Nearby: Assumable homes in Goodyear · Assumable homes in Buckeye · Assumable homes in Surprise · Assumable homes in Litchfield Park · Assumable homes in Glendale · Assumable homes in Peoria · Assumable homes in Sun City · Assumable homes in Laveen · Assumable homes in Anthem · Assumable homes in Scottsdale · Assumable homes in Cave Creek · Assumable homes in Tempe · Assumable homes in Fountain Hills · Assumable homes in Ahwatukee · Assumable homes in Mesa · Assumable homes in Chandler · Assumable homes in Gilbert · Assumable homes in Queen Creek · Assumable homes in Apache Junction · Assumable homes in San Tan Valley · Assumable homes in Gold Canyon · Assumable homes in Maricopa · Assumable homes in Casa Grande · Assumable homes in Florence
Looking in Avondale? Let's talk.
Book a free 30-minute strategy session, or call 480-529-7253. I'll review your loan or your search and tell you what your situation allows.
Book your free strategy sessionAZ License SA653075000 · My Home Group · Equal Housing Opportunity
Johanna Graff Serving Greater Phoenix Metro [email protected] | (480) 529-7253
Privacy Policy | Terms & Conditions
© 2026 Johanna Graff. All rights reserved. | Equal Housing Opportunity
My Home Group | Johanna Graff | License #SA653075000 | 8350 E. Raintree Dr suite 210 , Scottsdale, AZ 85260
