Views, privacy, and proximity to the very best of Colorado living, welcome to this exceptional home in the highly sought-after Reunion Ridge community of Commerce City. Perfectly positioned on a premium corner lot, this residence showcases Rocky Mountain views with no rear neighbors, offering a rare blend of elevated privacy and breathtaking natural beauty throughout the home. Inside, a dedicated main-floor office provides an ideal work from home retreat or quiet flex space. The open-concept kitchen is both stylish and functional, featuring generous counter space, quartz countertops and island, and seamless flow into the dining and living areas, all framed by stunning mountain vistas. Upstairs, the primary suite is complete with those mountain views, a private ensuite featuring dual vanities and ample space making mornings, and especially evenings the perfect place to unwind. Three additional bedrooms offer versatility for family, guests, or additional workspace. The oversized 2.5-car garage adds convenience with plenty of room for vehicles, storage, or hobbies. Beyond the home, enjoy scenic trails throughout Reunion and immediate access to the natural beauty of Rocky Mountain Arsenal National Wildlife Refuge. Golf enthusiasts will appreciate nearby Buffalo Run Golf Course, while shopping, dining, and entertainment await at The Orchard Town Center. Commuting is effortless with quick access to E-470, Interstate 76, and Denver International Airport. This is Colorado living at its finest. Elevated, effortless, and undeniably inviting.
Roam is your trusted partner for affordable home ownership. We help manage the assumption process from start to finish, enabling homebuyers to easily purchase their next home with a low-interest rate mortgage attached.
To qualify, you must meet the current FHA, VA, or USDA loan requirements depending on the type of loan you are assuming. This typically means a minimum credit score of 580, although most lenders prefer 620-640. Your debt-to-income ratio should be under the 50% max under FHA guidelines. Additional information such as employment history, explanations of income for each applicant, and asset verification for a down payment may be needed to process the loan.
An assumable mortgage is a type of home loan that allows a homebuyer to take over the existing mortgage terms from the seller, with no cost to the seller. Many government-backed loans, such as FHA and VA loans, are eligible for assumption, and millions of these mortgages are available.
When interest rates on mortgages are high, assuming a mortgage with a rate as low as 2% allows buyers to save up to thousands monthly compared to buying a home with a traditional mortgage at today’s average rates of 7%. A low-rate assumable mortgage could be the key to finding your dream home at an affordable price.
Roam has compiled available listings with low-rate assumable mortgages for you to browse. To get started, enter the city, state, zip code, or school district you’re interested in purchasing in. Utilize the search filters to narrow down your search. Click “Save search” to save your search preferences and activate listing notifications—we’ll email you as soon as new listings match your criteria.
Once you’ve found your dream home and ready to make an offer, schedule a call with a Roam Advisor directly from the listing. Your Roam Advisor will guide you through each step of the process, while also working directly with your agent, the servicer, and the seller to ensure you close on time.
When assuming the existing mortgage as part of a home purchase, the buyer has to cover the seller’s equity in the home. The seller’s equity is the purchase price minus the remaining mortgage balance. This amount must be covered in full through an all-cash down payment or by taking out a second mortgage.
Yes. Non-veterans can assume a VA loan, provided they meet the lender’s VA criteria. When a qualified buyer assumes a VA mortgage from a veteran or active-duty service member, the seller’s VA loan entitlement remains tied to the assumed loan until the buyer pays off or refinances the loan. This process restores the veteran seller’s entitlement, enabling them to use their VA benefit for a future home purchase.
Yes. All FHA loans are assumable by law as long as the buyer meets the FHA’s credit, income, and qualification requirements and obtain lender approval before assuming the loan (per FHA regulations effected December 15, 1989). Roam makes this process simple for buyers.
Generally, conventional loans are not assumable. In rare cases, a conventional loan may be assumable with lender approval. Use our search tool to find homes with assumable low-rate loans, or reach out to us if you’d like to confirm a specific home’s assumability.
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