From the moment you step through the front door and take in the expansive waterfront views, this COMPLETELY remodeled residence captures your full attention with its refined western contemporary aesthetic. Every detail has been meticulously reconstructed, blending thoughtful architecture with opulent finishes that reflect the beauty of the surrounding landscape. Anchored in luxury, the great room offers a front-row seat to an extraordinary view of the rippling lake, manicured Castle Pines Country Club 14th fairway, and the scenic cliffs of Castle Pines Village above. Showcasing high-end appliances, custom cabinets, and quartzite counters, the kitchen shines within an open concept layout that flows into the family room and sits adjacent to an elegant dining room and private office. Step outside to discover a north-facing shaded deck that feels like an outdoor sanctuary—cool, breezy, and perfectly framed by mature landscaping and stunning views. The setting offers a rare blend of privacy and natural beauty, with abundant wildlife and vivid seasonal transitions. The primary suite features a limestone fireplace with a reclaimed wood mantel and outdoor access. Completely updated with natural stone finishes, a deep soaking tub, and heated marble floors, the spa-like bath is enhanced by premium fixtures and designer architectural lighting. A striking powder room and functional laundry room | mud room and 3-car garage round out the main level. Downstairs, the lower level features a sizable family room, two generously sized bedrooms, and a well-appointed three-quarter bathroom—ideal for hosting or everyday comfort. An additional 800+ SF of unfinished space offers expansion opportunity. Beyond the obvious, this property includes full interior trim replacement and HVAC updates as well as significant infrastructure upgrades detailed in the attached Features List. A true statement of elegance, this one-of-a-kind home and lot offer Colorado living at its absolute finest.
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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