2627 Hillcroft Ln, Castle Rock, CO 80104
5 beds · 5 baths · 5,235 sqft
Welcome to this stunning home in Crystal Valley Ranch, one of Castle Rock's most sought-after communities! This exceptional residence showcases 5,075 square feet of living space with 5 bedrooms and 5 bathrooms on a 0.23-acre lot and features over $317,000 worth of seller and builder upgrades throughout. Step inside to discover a grand two-story entry that introduces you to this extraordinary home. The main level features a versatile floorplan with a private study perfect for remote work, a formal dining room ideal for entertaining, and an expansive great room that serves as the heart of the home. The gourmet kitchen boasts premium stainless steel appliances, gleaming granite countertops, a generous center island with breakfast bar, a walk-in pantry, and a convenient breakfast nook. The upper level is thoughtfully designed around family comfort, including a large loft space, a dedicated tech center, and four inviting bedrooms. The lavish owner's suite serves as your personal retreat with a sophisticated tray ceiling, oversized walk-in closet, and a spa-inspired ensuite bathroom featuring separate shower and soaking tub. The fully finished basement adds incredible value with an additional bedroom, full bathroom, and an expansive recreation room—perfect for entertaining. The outdoor oasis features $40K in professional landscaping with a wood-burning fireplace, gas fire pit, and included hot tub—creating the ultimate backyard retreat. This home also includes Jellyfish permanent exterior holiday lighting that stays up year-round and can be controlled via a convenient app. Located just minutes from historic downtown Castle Rock's shopping and dining, this exceptional property offers the perfect blend of luxury living and Colorado convenience with easy access to I-25 for commutes to Denver or Colorado Springs.
Source: RECO #2274422
Learn about how it works
Why Roam
Gap financing to lower your down payment
Unlock down payments as low as 5% – only with Roam
5x the likelihood your offer is accepted
If a purchase takes longer than 45 days, we’ll cover the seller’s mortgage until you close
Close faster and stress-free
We close 2x faster because of our deep experience and lender relationships
Rates and payments are estimates based on public records.
Source: Public records
All values shown are estimated costs / mo.
Source: Public records
Source: RECO #2274422
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.
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.
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.
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.
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 “Save search” 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.
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 620, 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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