Seller offering up to 2% in Seller Credits to use towards rate buy down or closing costs with Preferred Lender Golf Community Living Without the Premium Price Tag! You want the lifestyle of a championship golf community, but you don’t need to mow the rough. Welcome to 440 Clubhouse Drive – a beautifully maintained 2016-built two-story home located inside the coveted Coyote Creek Golf Community, just a short walk from the clubhouse, first tee, and all the amenities that make this neighborhood Fort Lupton’s hidden gem. With 4 bedrooms, 3 full bathrooms, and 2,532 square feet of modern living space, this home delivers everything you love about course-adjacent living at a smarter entry point. This isn’t a house with a backswing view (and the premium price that comes with it). Instead, you get something better: the same community access, the same quiet streets, the same weekend golf cart vibe – plus more square footage, a newer build, and the freedom to enjoy the course without feeling like you’re living on the 7th fairway. Living here means you are steps away from one of northern Colorado’s most playable and well-loved public courses. Coyote Creek Golf Course features 18 holes of par-71 golf with forgiving fairways, challenging bunkers, and water in play on several holes. And because you’re in the community – not just nearby – you get to enjoy everything Coyote Creek has to offer! Fort Lupton itself offers small-town warmth with big-city convenience – you’re 30 minutes from Denver, 25 minutes from Boulder, and an easy drive to DIA. Top-rated schools (Twombly Elementary, Fort Lupton Middle, Fort Lupton High) are just down the road. Whether you’re a golfer, a growing family, or someone who simply wants a peaceful, amenity-rich neighborhood, this is your chance. Don’t just read about it. Come see how close you can live to the good life. Schedule your private 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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