12119 Forest St, Thornton, CO 80241
3 beds · 2 baths · 1,800 sqft
Get a free consultation call with an expert in the mortgage assumption process.
Welcome to 12119 Forest St.-A move in ready gem in the heart of Thornton, CO! This beautifully maintained 3-bedroom, 2 bath multi-level home offers comfort, charm, and functionality- perfect for families, first-time buyers, or anyone seeking a relaxed suburban lifestyle with easy access to city conveniences. The main level boasts an open-concept design that effortlessly flows between the living, dining, and kitchen areas creating a perfect atmosphere for relaxing and or entertaining family and friends. On the lower level you will find the family room with an electric fireplace for those cooler evenings. This space also offers a bonus room that can be used for an office, den, and or playroom. Upstairs you will find two bedrooms, a full bath, and the primary bedroom complete with its own ensuite bathroom for added privacy. Make the basement your own by using it as a guest bedroom or turn it into a game room or a gym, the sky's the limit for this space. You'll love the private backyard- ideal for outdoor fun or simply unwinding and relaxing in your own backyard retreat. The attached garage provides secure parking and storage. This home has plenty of updates such as new appliances, new carpet, fresh paint, updated primary bath with updated counter tops, updated main bath, and upgraded lighting throughout the house. It has a new deck, and the fence was rebuilt in 2022. Lastly, a new roof was put on in 2024. For entertainment such as dining and shopping, The Denver Premium Outlets and Thorncreek Crossing shopping Center are within minutes away offering a variety of retail stores, restaurants, and entertainment options. The city of Thornton is known for its strong sense of community, and offers a variety of recreational activities, making it a desirable place to call home. Don't miss out on the opportunity to make this charming property your new home-schedule a showing today! Seller is awarding a $10,000 concession with an acceptable offer.
Source: RECO #9533841
Learn about how it works
Why Roam
Gap financing to lower your down payment
Unlock down payments as low as 5% – only with Roam
5x the likelihood your offer is accepted
If a purchase takes longer than 45 days, we’ll cover the seller’s mortgage until you close
Close faster and stress-free
We close 2x faster because of our deep experience and lender relationships
Rates and payments are estimates based on public records.
Source: Public records
All values shown are estimated costs / mo.
Source: Public records
Source: RECO #9533841
To qualify, you must meet the current FHA or VA 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%. 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.
FHA (Federal Housing Administration) loans
FHA loans require the buyer to assume the mortgage as a primary residence.
VA (Veteran's Affairs) loans
You don't have to be a veteran to assume a VA loan. However, not all veterans are willing to let a non veteran assume their mortgage. Roam confirms the seller's willingness prior to you making an offer.
Investors
You may be able to assume a VA mortgage as an investor without it being your primary residence.
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.
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.
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 620, 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.
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