Did you say FREE GOLF LESSON and POTENTIAL CONCESSION TO BUYER!?! Holidays are a time of giving and FOR A LIMITED TIME we are gifting a special home buyer a 9-Hole Golf Lesson at GVR Golf Club! Let's get you home for the holidays… right here at 5012 Liverpool Street in the beautiful & exclusive gated community of The Enclave. Picture this…You turn onto a quiet tree-lined street and into your gated community just as the sky softens into that perfect Colorado dusk. Your home, this home, glows with warm, simple holiday lights, the kind that make everything feel calm and settled. You park in the oversized driveway, step out, and breathe in that cool winter air knowing…you made it. You’re home. Inside, the open living area is alive with laughter and clinking glasses. Friends gather around the huge kitchen island while dinner simmers on the stove. Kids sprint to the media room to watch their favorite movie. Someone turns on the fire. The whole house feels connected, open, and so incredibly comfortable. Out back, the private patio twinkles under string lights…your future spot for summer nights, weekend grilling, and slow mornings with coffee. In the winter, it’s the perfect place to watch the first snowfall blanket the yard. Upstairs, everyone gets their own cozy space. Guest suite for holiday visitors? Done. Private office? Easy. A peaceful primary suite where you can unwind at the end of the day? Absolutely. This is the home built for real living, hosting, celebrating, unwinding, and making the big and small moments feel special. Move in before Christmas and start your next chapter wrapped in warmth. With 7 beds • 4.5 baths • 4,578 sqft • Finished basement • Outdoor kitchen • 3-car garage with EV charger and so many more amenities, this home is a MUST SEE. Want a personalized tour? Contact the listing agent today to see what life feels like here.
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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