19048 Harrogate Ct, Monument, CO 80132
4 beds · 5 baths · 4,568 sqft
Nestled on a pristine 2.5-acre lot, this stunning stucco and stone ranch home offers elegance, comfort, and breathtaking mountain and golf course views. A welcoming covered entry with grand French doors opens to a thoughtfully designed interior, where maple hardwood floors flow seamlessly throughout the main level. The vaulted great room is a showpiece, featuring a stacked stone fireplace with built-ins, a wall of windows that bathe the space in natural light, and a walkout to a covered deck. Designed for both style and function, the gourmet kitchen boasts granite countertops, a marble backsplash, Alder cabinetry, stainless steel appliances, and double fridges. The primary suite is a private retreat with a cozy gas fireplace, walkout to a secluded deck, an expansive walk-in closet, and a spa-inspired bath with tub, free-standing shower, heated floors, and granite counters. The main level also includes a formal dining room, a dedicated office with French doors, and a spacious laundry room with a sink and ample counter space. Maple wood stairs with decorative iron railings lead to the walkout lower level, designed for entertainment and relaxation. It features a generous family room with a gas fireplace, new paint, new carpet, wet bar with refrigerator, game area, and a tiered theater room with surround sound. The lower level also includes two bedrooms with a Jack-and-Jill bath and a private en-suite bedroom with a large walk-in closet—ideal for guests or a mother-in-law suite. Additional highlights include central air, central vacuum, sprinkler and security systems, a whole-house humidifier and water softener, built-in speakers, and an expansive covered deck with integrated sound. The beautifully landscaped grounds with a patio provide a serene setting for outdoor living. This extraordinary home seamlessly combines luxury, comfort, and breathtaking views—an exceptional opportunity in a coveted setting.
Source: PPMLS #1877256
Financials
Source: Public records
Source: PPMLS #1877256
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.
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.
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.