Welcome to this spacious and well-maintained two-story home located in the desirable Brandywine Subdivision of Broomfield County. Situated on a corner lot, this property offers timeless charm, thoughtful updates, and a flexible layout ideal for modern living—all with no HOA. Featuring 3 bedrooms, 4 bathrooms, and 2,314 square feet of finished living space, this home offers comfort and functionality across every level. Step through the inviting entryway and admire the arched walkways, beamed and vaulted ceilings, and refined crown molding that enhance the home’s classic character. The main level features bright, open living spaces with natural light, recessed lighting, textured walls and ceilings, and elegant wood-finish flooring. A ceiling fan and central A/C provide year-round comfort. The U-shaped kitchen is both stylish and practical, with a kitchen peninsula, and stainless steel appliances. Adjacent dining and living areas offer a welcoming space for gatherings, with easy access to the patio for outdoor enjoyment. Upstairs, the home includes well-appointed bedrooms with carpeted floors, generous closets, and a versatile loft or office area perfect for remote work or study. The ensuite bathroom offers a private retreat with modern fixtures and a spacious vanity, while additional full and half bathrooms provide convenience for family and guests. The finished basement extends the living space and includes a complete second kitchen, ideal for entertaining, multi-generational living, or a guest suite. A grill area adds to the home’s outdoor appeal, while smoke and carbon monoxide detectors offer peace of mind. Located just down the street from Mountain View, a Magnet Select School for the Hard of Hearing, this home offers an excellent setting close to parks, shopping, and major routes. With classic architectural details, modern amenities, and a desirable corner lot location, this Brandywine home is a rare find—ready for its next owner to enjoy for years to come.
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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