2545 Villageview Ln, Castle Rock, CO 80104
4 beds · 3 baths · 3,108 sqft
*** Assumable FHA Loan 2.875%!!! Welcome to this spacious and well-maintained home in the desirable Crystal Valley community, where nature meets a vibrant, close-knit neighborhood. The property sits on a nice corner lot and is the largest non-basement model in the area, making it a unique find. Just steps away from the Crystal Valley Ranch Rec Center, you’ll enjoy year-round community activities such as group fitness classes, seasonal events, a fitness center, and an incredible pool. Inside, the bright and sunny floor plan offers both formal and informal living spaces. The large formal living room at the front of the home provides an ideal spot for a home office or a cozy retreat. The formal dining room is perfect for hosting holiday gatherings. The open-concept living room and kitchen feature durable LVP flooring and a neutral color palette. A gas fireplace with a stacked stone surround and shiplap accents adds warmth to the living area, while built-in shelving offers space for displaying photos and keepsakes. The kitchen is a chef’s dream, boasting new quartz countertops, abundant warm wood cabinetry, and a large center island that provides additional seating and meal prep space. There's also an eat-in kitchen area for casual dining. A mudroom off the garage is perfect for storing winter coats and boots. Upstairs, a versatile loft space accompanies four generously sized bedrooms, including a primary suite with a spacious en-suite bath. The upper-level laundry room adds convenience to daily chores. Outside, the low-maintenance backyard features a patio perfect for outdoor grilling and entertaining. This move-in-ready home is just minutes from Plum Creek Golf Course and less than 10 minutes from the quaint town of Castle Rock, known for its grocery stores, trendy restaurants, and charming boutique shops.
Source: RECO #5925394
Interest rate and monthly payment estimated based on public records.
Source: RECO #5925394
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: #5925394
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