Welcome home to this beautifully upgraded gem in Keenesburg! Turnkey ready, this 3-bed, 2-bath beauty has been thoughtfully done, so all you need to do is unpack and settle in. The open floor plan feels warm and welcoming from the moment you walk in. New roof, fresh paint and double-pane windows throughout let the light pour in. The kitchen is the heart of this home with granite countertops, a generous island, stainless steel appliances, and a walk-in pantry. Includes two water filtration systems, a water softener, and a whole-house humidifier, and a climate-controlled crawl space. The oversized primary suite is a private oasis, complete with an oversized vanity, shower, large soaker tub, and a walk-in closet that will make your mornings better. Two more bedrooms and a second full bath. Outside: front-yard sprinklers, a raised garden bed, a fully fenced backyard with low-maintenance artificial turf, and a beautiful paver patio made for Colorado evenings. The attached two-car garage has an insulated garage door and extra storage. The solar panels are owned free and clear at closing. Location is a bonus you'll appreciate more every day. Just minutes from the future new Bandimere Speedway in Hudson, Barr Lake State Park, Jackson Lake, waterfowl hunting land "Golden Triangle" in Ft Morgan, Rodeo Dunes Golf Resort in Roggen, a short drive to Coyote Creek Golf Course in Fort Lupton, and right down the road from Keenesburg's beloved Wild Animal Sanctuary. Easy I-76 access puts Brighton, Denver, Greeley, and Fort Collins all within reach while you enjoy the peace and charm of small-town Colorado living. See it soon! It won't last long!
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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