12749 Mt Harvard Dr, Peyton, CO 80831
5 beds · 4 baths · 3,426 sqft
A Stunning Retreat in Desirable Meridian Ranch! Discover the perfect blend of elegance and comfort in this beautifully maintained 5-bedroom, 4-bathroom home, boasting an expansive 3,530 sq ft. Nestled on a prime corner lot, this residence offers a seamless blend of modern convenience and timeless appeal. Step inside to find a grand foyer with soaring ceilings that lead to a living room warmed by a striking stacked-stone gas fireplace, perfect for cozy Colorado evenings. The heart of the home is the gourmet kitchen, featuring granite countertops, stainless steel appliances, a spacious pantry, and a convenient counter bar that invites friends and family to gather. The main level also includes a custom dining room with built-ins, a home office, and a powder room. Upstairs, the primary suite serves as a luxurious retreat, complete with a two-sided fireplace, a reclaimed wood feature wall, and a spa-like 5-piece en-suite bath with a walk-in closet. Three additional generously sized bedrooms complete this level. The fully finished basement offers even more space for relaxation and entertainment, including a family room, a flexible bonus area, and the fifth bedroom, ideal for guests or a private retreat. Outside, enjoy Colorado's natural beauty in your oversized backyard, complete with a built-in fire pit, perfect for starlit evenings. A 3-car tandem garage and a backyard storage shed offer plenty of room for all your storage needs. Plus, you’re just minutes from schools, parks, restaurants, and shopping. Residents of Meridian Ranch enjoy access to a recreation center with a fitness facility, indoor and outdoor pools, and even a lazy river for endless family fun. Don't miss out on the opportunity to make this exceptional property your forever home. Schedule a private showing today!
Source: PPMLS #9992385
Interest rate and monthly payment estimated based on public records.
Source: PPMLS #9992385
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: #9992385
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.