12863 Crane River Dr, Longmont, CO 80504
3 beds · 3 baths · 1,687 sqft
Discover modern elegance in this immaculate 3-bedroom, 3.5-bathroom home, perfectly situated in the highly sought-after Barefoot Lakes community. Boasting breathtaking mountain views and ideal floorplan, this home features an open-concept design with expansive windows that flood the space with natural Colorado sunshine. Set on a premium, west-facing lot, the beautifully landscaped yard and inviting front porch offer the perfect setting for outdoor enjoyment and to watch the sensational sunsets. Inside, the stylish kitchen is a chef’s dream, showcasing sleek charcoal cabinetry, quartz countertops, stainless steel appliances, and new, contemporary tile backsplash. The spacious primary suite provides a private retreat, complete with walk in closet and incredible mountain views. Two additional upstairs bedrooms and guest bath are thoughtfully positioned for privacy, with a conveniently located laundry room nearby. The professionally finished basement adds incredible versatility—ideal for a home office, craft room, or guest suite. Additional highlights include hunter Douglas blinds throughout, a fully fenced backyard, a charming outdoor deck with cozy lighting, and a detached three-car garage with ample storage and workshop potential. New Roof installed in August 2023. Barefoot Lakes offers an unparalleled lifestyle! Enjoy paddle-boarding on the Lake, hiking gorgeous, scenic trails, or visit the COVE's clubhouse and pool, fitness center, multi-use sports courts, playgrounds, pocket parks, and more—all just steps from your door. Don’t miss this exceptional opportunity to own a move-in-ready home in a vibrant, amenity-rich community!
Source: RECO #2981054
All values shown are estimated costs / mo.
Source: Public records
Source: RECO #2981054
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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