1450 E 128TH CT, Thornton, CO 80241
Gorgeous, well-maintained home in private Hunters Glen cul-de-sac neighborhood backing to open space! Upgraded to your heart's delight, this well-appointed home is in a private enclave close to everything. Several renovations occurred in 2017-2020 (including new roof, gutters / downspouts, carpet, furnace, AC, kitchen cabinets) with more recently (roof replaced 2024, new water heater 2024, washer 2022, dishwasher 2023), with all you need to do is move in! The welcoming front entry and receiving room gives way to an open kitchen / living area. The kitchen offers quartz countertops with waterfall island, large pantry, black stainless steel appliances, concrete farm-style sink, customer under-cabinet LED lighting and more! The LED can lighting is carried through to the kitchen / hall, bathrooms and more, with new fans installed. Opening to the living room, you'll easily fit that wraparound couch and television above a warm fireplace. Outside offers a private and expansive backyard on the back side of a cul-de-sac backing to a stream and open space. The back deck is ready for barbeques with Trex decking, newer lighting, updated landscaping in front / back yard (with front sprinklers!) and considerable privacy! Back inside, upstairs offers a private primary suite with expansive walk-in closet (with reinforced shelving) and en-suite bath. Several other bedrooms all have newer ceiling fans, fixtures and light switches. Downstairs the finished basement offers a private bedroom, bathroom and storage, along with whole-home water softener and triple filtration water system! Three-car garage has powered garage door opener for two bays with third bay used for storage; shelving throughout garage along with adjustable shelving included! Also included throughout home are blackout bedroom curtains, tv and mount in bedroom 2, tv in primary bedroom and yard equipment in shed. Top-of-line furnace and AC added in 2021 with UV filter and humidifier. Solar panels transferrable to buyer!
You may be able to put down less than the total down payment amount of $219,778 and have the rest of the funds financed with a 2nd mortgage from a lender. 4
Location
Details
How it works
Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step.
Tour
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.
Offer
Roam works with you, your agent, and the listing agent to prepare a mortgage assumption agreement and finalize all details.
Close
Roam coordinates all parts of the transaction and keeps all parties up to date to provide a seamless 45-day close.
Who can qualify
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.
Frequently asked questions
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: #9548158
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