10800 Richfield Cir, Commerce City, CO 80022
3 beds · 3 baths · 1,841 sqft
Call your friends and family; this home is ready to entertain! Beautiful three bedroom, three bathroom home with light and bright open concept floor plan merging the dining room, kitchen and living room . Mix up some drinks and prep the snacks in this stunning kitchen with granite counters, stainless steel appliances, additional island storage and gas range. Watch the big game in the spacious main floor living room. Unwind upstairs in the primary bedroom with a walk in closet. Rejuvenate in the primary bath boasting dual sinks and rain water shower head. Two secondary upstairs bedrooms share a hall bath. Loft upstairs provides additional living space, office, playroom or more. Unfinished basement with opportunity to create whatever your heart dreams. Perfect backyard for entertaining with covered patio and extended trex style deck. Don't miss the hot tub for a perfect relaxing evening. This home is mere steps from the stunning Reunion Park and pool. Reunion is a bustling community with walking trails, acres of parks, a fitness center, TWO pools, a pickleball/tennis court, and coffee house with the best views ever. Loads of activities to build community including fireworks, movie nights, sports and more. Easy access to DIA, E470, I76 and Hwy 85. Low HOA fees for all you get! A corner lot, west facing driveway, and two car attached garage make this home a wonderful place to live. Don't miss this opportunity to own this gorgeous home in a highly coveted location!
Source: RECO #5784458
Interest rate and monthly payment estimated based on public records.
Source: RECO #5784458
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: #5784458
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