Welcome to this exceptional home in the 'Sanctuary' of The Haven at York Street neighborhood! Situated on more than 1/3 acre, this beautifully maintained home offers the perfect blend of space, functionality, and thoughtful updates throughout. Featuring 5 generously sized bedrooms, this home is designed with both comfort and privacy in mind. The spacious primary suite serves as a true retreat, complete with a luxurious 5-piece bathroom, separate vanities, and dual walk-in closets. Two secondary bedrooms each feature their own en suite bathrooms. The remaining two bedrooms share a full bathroom, creating an ideal layout for families or guests. The main level offers a versatile and well-designed floor plan, including a dedicated office, family room, a formal dining room, and an additional den/sitting area. At the heart of the home, the chef’s kitchen shines with abundant space, an eat-in dining area, and a large walk-in pantry...perfect for everyday living and entertaining alike. A convenient laundry/mud room leads directly to the attached 3-car garage, where you'll find a 240 volt electric vehicle charging station. Downstairs, the finished basement provides spacious bonus areas along with a large half bathroom, offering endless possibilities for a media room, gym, or recreation space. Recent updates bring peace of mind and modern appeal, including all new windows, carpet, interior/exterior paint, bathroom sinks, gutters, and a back sliding door in 2022, tile flooring and a retractable patio awning in 2024, and a new roof in July 2025. Step outside to your expansive backyard and enjoy space to relax with the water feature, entertain, or create your own outdoor oasis. The neighborhood pool is just around the corner and open green space just one house over, adding to the lifestyle this home offers. Don’t miss your opportunity to own a truly spacious and well-appointed home in one of Thornton’s most desirable areas! Schedule your showing today!
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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