VA loan
1 of 43
VA loan
$500,000

10077 E Hawaii Pl, Aurora, CO 80247

4 beds · 4 baths · 2,741 sqft sqft

Charming Townhome Near Parks and Shopping! Welcome to your dream home! This beautifully maintained and Lovingly care for townhome offers a perfect blend of comfort and style, located just moments away from two serene parks and the convenience of Costco and Buckingham Mall, nestled in the prestigious Cherry Creek School District, Step inside to discover stunning vaulted ceilings and glistening wood floors that invite you into a warm and inviting space. The clear story windows flood the home with natural light. The eat-in kitchen features gorgeous granite countertops and a lovely bay window, perfect for enjoying your morning coffee while basking in natural light. Updated light fixtures throughout enhance the home's modern feel. The main floor master suite is a true retreat, showcasing elegant tile floors, an oval soaking tub, and a custom glass shower. The walk-in closet is flooded with natural light, featuring beautiful wood floors. The artisan ceiling fan that adds a touch of charm in the upstairs loft. Updated baths with beautiful light fixtures add a touch of warm and Class. Cozy up by the warming gas fireplace in the spacious living area, or step outside to the concrete patio for outdoor relaxation and entertaining. You can truly feel the love and pride of ownership in every corner! You can truly feel the love and pride of ownership in every corner! The incredible finished basement is a standout feature, boasting two spacious bedrooms and a cozy family room, all with high ceilings and newer carpet, making it the perfect retreat for relaxation or entertainment. Enjoy the convenience of a finished, drywalled garage equipped with shelves for added storage, an insulated garage door, and a convenient garage door opener—perfect for keeping your space organized and comfortable. Don’t miss out on this fantastic opportunity to enjoy both tranquility and convenience. Schedule your tour today and experience everything this lovely tow home has to offer!

Interest rate 3
2.75%
With Roam
6.5%
The seller’s mortgage rate at the time the loan was originated.
Monthly payment 3
$1,431
With Roam
$2,116
Reduce your monthly payments by $684 when you assume this mortgage.
You also save $212,176 in total interest paid.

$182,537
Edit

You may be able to put down less than the total down payment amount of $182,537 and have the rest of the funds financed with a 2nd mortgage from a lender. 4

Interest rate and monthly payment estimated based on public records.

Roam helps you take over the seller’s lower interest rate 1
We help you assume the seller's mortgage and avoid higher prevailing market rates.

45-day closing guarantee 2
We work directly with the mortgage servicer to help you quickly and easily close the transaction.

VA loan
Eligible for investors
Not a veteran? You may still be qualified to assume the mortgage.
Location
Details
Home
Size
2,741 sqft
Year built
1996
Type
Townhouse

Source: RECO #4327425

Loan
Remaining term
25 years, 10 months
Rate
2.75%
Monthly P&I
$1,431
Remaining loan balance
$317,462

Source: Public records

How it works

Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step.

Tour

Whether you have an agent or you’re just starting your search, reach out to us and we’ll help set up a home tour.

Offer

Roam works with you, your agent, and the listing agent to prepare a mortgage assumption agreement and finalize all details.

Close

Roam coordinates all parts of the transaction and keeps all parties up to date to provide a seamless 45-day close.

Who can qualify

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.

Frequently asked questions

What is Roam?

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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.

What is an assumable mortgage?

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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.

Why is an assumable mortgage valuable?

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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.

Will an assumption work for me?

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An assumption might be a suitable option for you if you meet the lender’s qualifications. We also offer Roam Boost to help buyers reduce the down payment required to a minimum of 5-15%. See below for more FAQs specific to Roam Boost.

Why do buyers use Roam?

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Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step. Roam helps home buyers find and purchase homes with a low-rate assumable mortgage included. Once you find your dream home, Roam manages the process of assuming a low-interest rate mortgage, helping buyers save thousands a year on mortgage payments compared to buying with a traditional mortgage at today’s rates. On average, buyers who use Roam save $15,000 in mortgage payments annually.

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Last updated: Oct 18, 2024 12:04 pm
Listing agent: Steve Melnick (303) 478-4125
Listing provided courtesy of: eXp Realty, LLC (888) 440-2724
Details provided by RECO and may not match the public record.
MLS ID: #4327425
The content relating to real estate for sale in this Web site comes in part from the Internet Data eXchange (“IDX”) program of METROLIST, INC., DBA RECOLORADO® Real estate listings held by brokers other than Everystate are marked with the IDX Logo. This information is being provided for the consumers’ personal, non-commercial use and may not be used for any other purpose. All information subject to change and should be independently verified.
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Disclaimers
1 Roam connects buyers and sellers to homes with assumable mortgages via a concierge service. Roam does not offer or engage in mortgage lending activity.
2 45 day guarantee is subject to credit approval by your loan servicer.
3 The assumable interest rate shown for this assumable mortgage is an estimate using the average of interest rates in this home's area at the time of the last sale. The actual assumable interest rate may differ. Estimated payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Roam connects buyers and sellers to home with assumable mortgages via a concierge service. Roam does not offer mortgage loans, extend credit, make credit determinations, or otherwise engage in mortgage lending or brokering activities. The lender makes all credit and qualification decisions with buyers. Any determination to extend credit to a buyer is a decision by the lender, and not by Roam.
4 The lender makes all credit and qualification decisions with buyers. Any choice to extend credit to a buyer is a decision by the lender, and not by Roam.
$1,431/mo
View details