12974 W Virginia Ave, Lakewood, CO 80228
3 beds · 3 baths · 1,650 sqft sqft
***First American Home Warranty Included*** Welcome to this charming & updated townhome that offers the perfect combination of comfort & convenience in a prime location! The open living area features new engineered hardwood floors, perfect for relaxing or entertaining in a warm & inviting atmosphere. The freshly painted walls add a crisp, clean look that brightens the entire main level. This open-concept design seamlessly connects the cozy living room to the dining area & kitchen. The kitchen serves as the heart of this home, offering rich cabinetry, complete with stainless steel appliances & a new dishwasher. The central island offers additional prep space with a breakfast bar, so whether you're preparing a gourmet meal or a quick snack, this kitchen combines both style & practicality. Just beyond the kitchen, step through the French glass doors to your private, fenced-in back patio-perfect for morning coffee, summer cookouts, or unwinding with an evening drink. The storage shed provides extra space for your outdoor gear. A half-bath on the main level adds extra convenience for guests, & the laundry area is equipped with hookups ready for either stackable or side-by-side units. Upstairs, the oversized primary bedroom features a private en-suite bathroom & a large walk-in closet, providing a peaceful retreat. Two additional bedrooms & a full bath are just down the hall, making this layout both functional & comfortable. This townhome comes with two reserved parking spaces under a carport, so you'll never have to worry about parking. The HOA provides access to community amenities such as a clubhouse, pool, & playground. This prime location is ideal for those who love both city life & mountain activities, with easy access to Green Mountain, Red Rocks (4 miles away), downtown Denver (10 miles), & Golden (5 miles). Easy routes to 285 & I-70 ensure you're never far from outdoor adventures Colorado has to offer! Schedule your showing today & make this townhome yours!
Source: RECO #ir1020850
Interest rate and monthly payment estimated based on public records.
Source: RECO #ir1020850
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.
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: #ir1020850
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