OPEN HOUSE: Saturday, April 11th (11:00 - 2:00 PM) Imagine living just minutes away from the lake — where morning walks by the water and soft natural light fill your home to start the day. Add in weekends spent at Southlands, with its mix of local restaurants, shops, and entertainment, and it’s easy to see why Beacon Point is one of Aurora’s most sought-after communities. Built in 2011 and thoughtfully cared for by its original owners, this two-story home offers a layout that simply works. The main floor flows naturally from the entry into the living room, kitchen, and dining area—creating a space that feels open, comfortable, and easy to live in, whether you're hosting or just enjoying a regular day at home. A bonus room with French doors adds flexibility—currently used as a home gym, but just as easily suited for a home office, playroom, or additional bedroom. Upstairs, you’ll find generously sized bedrooms, including two with en suite bathrooms. The primary suite offers a quiet retreat with a walk-in closet conveniently located next to the en suite bathroom. Interior and exterior paint completed in July 2025. The unfinished basement is ready for whatever comes next—whether that’s an additional living space, or something entirely your own. Beyond the home itself, Beacon Point offers a lifestyle that’s hard to match. Residents enjoy access to a clubhouse, pool, tennis courts, and community spaces, along with close proximity to the reservoir’s trails, beach, and outdoor activities. An elementary school within the neighborhood adds everyday convenience, and Southland's is just minutes away for dining, shopping, and entertainment—all within the highly regarded Cherry Creek School District. This is more than just a home—it’s a place where daily life feels a little easier, a little more connected, and a lot more enjoyable. 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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