Assumable Mortgages · Florence, Arizona
Assumable mortgage homes in Florence, AZ
Some Florence 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 Florence listings that appear to carry one, and you can search them here.
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Assumable loans in Florence
Florence is the Pinal County seat and one of Arizona's oldest towns, with a historic Main Street and the Gila River nearby. Most of the newer homes are in Anthem at Merrill Ranch, which has golf, a community center and an active-adult section. Homes here bought with VA and FHA loans can come with an assumable rate.
I cover all of Florence, including Anthem at Merrill Ranch, Sun City Anthem at Merrill Ranch, Magic Ranch, Crestfield Manor and Florence Gardens.
If you're buying
Buying with an assumable loan
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 Florence 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
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Looking in Florence? 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.
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