She understood the assignment...and then elevated it. A quiet cul-de-sac location just moments from TPC Colorado, mountain views, and a layout that actually lives the way you want it to-consider this your sign to stop scrolling. Let's start with the curb appeal: a sunny south-facing lot, extended driveway, and a covered front porch made for slow coffee mornings and golden-hour evenings. Inside, natural light pours through oversized windows, giving the entire home that warm, effortless glow we're all chasing. The main level? Open, airy, and built for real life. The kitchen is the moment-with a generous granite island, pendant lighting, gas range, stainless steel appliances, modern backsplash, and an oversized pantry that won't have you playing Tetris with your groceries. It flows seamlessly into the dining and living spaces, making hosting feel easy and everyday living even easier. Bonus points for a flexible formal dining area that can double as a sitting space, playroom, or future office (hello, work-from-home upgrade). A chic half bath-complete with a Horow T05 bidet smart toilet-finishes things off with a little unexpected luxury. Upstairs, the layout just makes sense. A spacious loft anchors the level, perfect for movie nights, a second living area, or a homework zone. You'll also find a convenient upstairs laundry (because hauling baskets downstairs is overrated), four bedrooms, and a full bath. The primary suite is tucked away for privacy and feels like a true retreat, featuring a five-piece en suite and a large walk-in closet. The additional bedrooms don't hold back either-one even comes with a cozy window seat-and several offer those coveted mountain views. And the location? It's the kind that keeps on giving. Close to Berthoud's best outdoor spots, just minutes to downtown, and easy access to Hwy 287 for quick trips to Longmont, Loveland, or I-25.Stylish, functional, and in all the right places-this one just hits different.
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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