This home has an assumable VA loan with an interest rate of 2.5% that can be assumed by another VA buyer (VA only). Welcome to Windom Hollow a charming, storybook cottage tucked away on a quiet Livermore lot. With its whimsical design, cozy spaces, and serene countryside setting, this home offers the perfect blend of charm and livable Colorado lifestyle. Perched above the treetops with sweeping mountain views, this custom-built retreat is designed for unforgettable stays and great short-term rental performance. The home offers a layout and amenities guests seek out-and return for. It could be your mountain dream home or home away from home. Wall-to-wall windows frame the scenery from the expansive entertaining kitchen, complete with dual under-counter refrigerators and a charming built-in Dutch-style dining nook. Multiple levels of outdoor decks and three private balconies create ideal spaces for relaxing, entertaining, and soaking in the views year-round.The home features 5 bedrooms, 4 bathrooms, offering flexibility for owners and rental guests alike. The spacious primary suite is a true sanctuary with a custom five-piece bath, freestanding soaking tub, walk-in closet, and private fireplace. On the lower level, an impressive private movie theater with seating for 13 and a full concession stand delivers a true cinematic experience-one of the home's most popular guest features. Additional highlights include hydronic heating, fireplaces in the great room and primary suite, and an adorable outdoor playhouse. Beautifully furnished (furniture is included), this turnkey mountain getaway is just 30 minutes from Fort Collins and minutes from fishing, boating, mountain biking, hiking, and outdoor recreation. Whether you're seeking a luxury personal escape, a high-performing VRBO investment, or both-this one truly delivers. A rare opportunity to own a proven short-term rental in an unforgettable mountain setting. Must see to fully appreciate.
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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