18109 E 108th Pl, Commerce City, CO 80022
4 beds · 3 baths · sqft
Welcome to the thriving community of Reunion where you will have access to trails, rec center, two pools, parks and a coffee shop! The current owners fell in love with this home with its rare oversized lot which is a true outdoor oasis. You have a mature yard with peach trees, elderberry bushes, lilacs & iris and a Vego raised garden bed with a sunburst flower/veggie garden bed. This is truly a gardener's dream come true. The other outdoor features are a newer storage shed, stamped concrete patio, dog run area, in-ground sprinkler system and solar lights around the entire property. July 4th will be an annual event to have with the fireworks show literally in your backyard and one of the best in town! Upon entering the home you will see the pride of ownership with the wood floors, private powder room and an amazing open concept design. The kitchen in this home is a cooks dream space with an oversized generous island for gatherings, stainless steel appliances, and a gorgeous kitchen cabinet package. Adjacent to the kitchen is a full sized pantry and access to the attached two car garage. When you head upstairs you will enjoy the convenience of the second floor laundry. The owner's retreat is very private and features a generous bath with an oversized shower and an adjacent walk in closet. This model features four bedrooms total and plenty of storage space. The basement is currently unfinished allowing the new owners to create their dream family room, game room, and or add a couple more bedrooms and a bath. The window well covers are custom made on all of the basement windows. This home feels so peaceful with the open space behind the home and easy access to DIA, DT Denver and shopping nearby. This home is priced well for the new owners to achieve their dream of home ownership. Set up your private showing today. Video: https://listings.inhousephotos.com/videos/0192c57b-820d-717e-9ba5-c27312ec5dad
Source: RECO #9553650
Interest rate and monthly payment estimated based on public records.
Source: RECO #9553650
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: #9553650
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