10149 Xanadu St, Commerce City, CO 80022
3 beds · 3 baths · sqft
**Assumable Rate @ 5.375%**This stunning newer home boasts modern design and functionality, perfect for today’s lifestyle. Located just mins from shopping, dining, and essential amenities, you’ll enjoy convenient access to everyday living. + with easy access to E470 and DIA airport, commuting is simple. Step inside to discover an inviting open floor plan that is filled with natural light in every space, enhancing the warm and welcoming atmosphere. The main level features relaxed maple luxury vinyl flooring, combining sophisticated style and durability. The kitchen showcases gorgeous warm-tone cabinets accented with sleek black contrasting hardware, creating a modern and cohesive aesthetic that matches beautifully with the bathrooms. Upstairs, the oversized primary bedroom offers a private retreat, complete with its own ensuite bathroom and a spacious walk-in closet. The 2 additional bedrooms and a full bathroom provide ample space for additional occupants or a space for guests. You’ll also find a spacious loft area that can be tailored to your needs—ideal for an office, reading nook, or small home gym, while a convenient half bath on the main floor adds to the functionality of the layout. The 2 car garage features additional storage space + offers a 220V outlet for electric vehicle owners. The backyard is designed for zero maintenance, allowing you to relax and enjoy your outdoor space without the hassle of upkeep. The HOA includes trash service, access to the Reunion Recreation Center, complete front yard maintenance, including front yard irrigation + snow shoveling, allowing you to enjoy a low-maintenance lifestyle. The Reunion area is a true gem for nature enthusiasts & outdoor lovers. Nestled near the Rocky Mountain Arsenal National Wildlife Refuge, you'll have the opportunity to explore stunning landscapes and observe a diverse array of wildlife + the community features a plethora of walking and biking trails.
Source: RECO #7664199
Interest rate and monthly payment estimated based on public records.
Source: RECO #7664199
Source: Public records
Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step.
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.
Roam works with you, your agent, and the listing agent to prepare a mortgage assumption agreement and finalize all details.
Roam coordinates all parts of the transaction and keeps all parties up to date to provide a seamless 45-day close.
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.
What is Roam?
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?
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?
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.
How can you find assumable mortgage listings?
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 “Get Notified” 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.
How do I qualify for an assumable mortgage?
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.
MLS ID: #7664199
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