132 Mesa St, Brighton, CO 80601
4 beds · 4 baths · 2,601 sqft
Welcome to 132 Mesa St, a beautifully updated 4-bedroom, 4-bathroom home sitting on an expansive 14,000+ sq ft lot that backs to open space. This spacious residence has 3 floors of finished living space. The main floor features newer flooring, fresh paint, soaring vaulted ceilings, a cozy gas fireplace, and an abundance of natural light. Upon entering you are greeted with the formal dining room and living room that can be transformed to your needs. The remodeled kitchen is a showstopper with granite countertops, chic white cabinetry, under-cabinet lighting, and a modern layout that opens to the great room. An office with glass French doors, laundry room with utility sink, and guest half bathroom complete the main level. Upstairs, you'll find brand new carpet throughout, a generous loft, two secondary bedrooms and a full bathroom. Also on the second level is a serene primary suite with a large walk-in closet and 5-piece bathroom. The basement adds even more living space with a 4th bedroom featuring a small walk-in closet, full bathroom, newer high-end carpet, a large living room, a game room with a refrigerator for your snacking needs, plus a bonus flex space waiting for your imagination. Step outside to your own private retreat and enormous backyard—enjoy the gazebo, patio, tranquil pond, mature landscaping. This lush yard is ideal for entertaining or lounging! Additional highlights include, surround sound on all three levels, a 3-car attached garage, storage shed, a newer Class 4 roof, low HOA fees, and lower property taxes. All of this located within walking distance to a neighborhood school and park, with easy access to local amenities. Don’t miss your chance to own this exceptional home in one of Brighton’s most desirable areas!
Source: RECO #3180419
Financials
Source: RECO #3180419
Source: Public records
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%. 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.
Other resourcesWhat 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.
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