Experience elevated living in this exceptional two-story residence in coveted Westridge Village where every corner of the home has been renovated for your comfort and convenience. Classic architectural details are enhanced by modern finishes to include brand new lighting, a fully remodeled kitchen (40K) with quartz island, extended quartz counters, Wolf 5-burner gas cooktop with downdraft ventilation, GE Profile Stainless oven/microwave, plentiful cabinets & pull out drawers, new tile backsplash (5K). LVT flooring throughout the main floor + brand-new carpet upstairs. Fresh paint throughout, updated hardware, new ceiling fans & Bali cellular shades (10K), surround sound. You'll love the high ceilings & quality windows bringing in natural light. Check out the arched doorways leading to the kitchen & custom arched window opening to the backyard. With refreshed spaces and a bright open, vaulted interior, you can entertain in style and with ease. Take the party outside to enjoy drinks on the patio. So many spaces to enjoy hosting family & friends. Heading upstairs you'll find your go-to relaxation space: a fantastic Primary suite with ample walk-in closet, remodeled 5-piece bath with dual Quartz vanity, corner soaking tub, frosted glass windows, modern lighting & mirrors--every detail you'd want right at hand. There are two additional bedrooms on the upper & full bath with updated Quartz vanity. Enjoy a convenient Highlands Ranch location with nearby shopping, dining & miles of walking/biking trails with the Westridge Rec Center less than a mile away + access to all 4 HRCA rec centers with pools, parks, fitness classes, inviting an active lifestyle. Back home, if you love gardening there are raised beds set with drip irrigation for your gardening pleasure. New furnace 2025 / AC 2024, dual hot water heaters (never run out of hot water!), triple pane windows throughout w/ UV protection, Maytag washer/dryer. This impeccable property is the opportunity you’ve been seeking!
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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