10970 W AQUEDUCT DR, Littleton, CO 80127
Welcome to the highly desirable Sunrise Creek community in the foothills of Jefferson County, Colorado. This multilevel home has been recently updated, new roof 2023, and is immaculate. Entering the foyer, to your left is a two-story living room. Straight ahead, the gourmet kitchen boasts of abundant, rich cabinetry with under cabinet lighting, beautiful granite counters, a large pantry and stainless appliances including a gas range with double ovens. There is a large eat-in-kitchen space as well as a spacious formal dining room. From the kitchen, down a few steps is a huge family room for your home theatre and entertaining pleasure. Up the stairs from the foyer, on its own special level, is the primary bedroom showcased by double entry doors, a vaulted ceiling, an ensuite 5-piece bath and walk in closet. Found on the uppermost level are three more bedrooms, a full bath and a railing overlook of the two-story living room below. The walkout basement is fully finished with two additional bedrooms, a ¾ bath and a huge bonus room ready to be set up as your bar, gaming or rec room. Exit the basement to a beautiful, stamped concrete, covered patio and a very large back yard, or you can take the spiral staircase up to the sizable upper deck off of the kitchen. Do not overlook the sandy beach area to the west of the patio ready for your outdoor toys and games. If you like to entertain, you will love this back yard. If you want to explore the nearby Blue Heron Park and lake, use your back gate for a short walk a half block away. You are close to many restaurants, shopping and outdoor recreation areas and only a short drive to C-470 and trips to the mountains or downtown. Washer and Dryer are negotiable. You are going to love your new home.
You may be able to put down less than the total down payment amount of $156,106 and have the rest of the funds financed with a 2nd mortgage from a lender. 4
Location
Details
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?
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.
Will an assumption work for me?
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?
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.
MLS ID: #6106774
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