3033 Fox Sedge Ln, Highlands Ranch, CO 80126
4 beds · 4 baths · sqft
Beautiful home in the desirable Firelight community of Highlands Ranch! This home sits up high and provides mountain views from many locations throughout. You'll love the four outdoor living spaces...a deck off the upstairs primary bedroom, a deck off the main floor, a covered patio with porch swing off the walkout basement and a front courtyard...all perfect for entertaining and enjoying Colorado's amazing weather! The home has a large, light and bright family room with fireplace, built-ins and a wall of windows. It is open to the eat-in, gourmet kitchen with stainless steel appliances, including double oven and warmer, an island, bar seating, glass display cabinets and pass-through butler's pantry that leads to the dining room. The main floor also has an office, living room, full bathroom and laundry room, with washer and dryer included. Upstairs you'll find an oversized primary bedroom with private deck with mountain views, sitting area, fireplace, double walk-in closets and primary bathroom. There are two spacious secondary bedrooms and a full hallway bathroom on the second level as well. The full, finished, walkout basement provides a great space for entertaining with a stunning stone bar, complete with stainless steel refrigerator, sink, dishwasher and microwave. The basement has a fireplace, built-ins and access to the covered patio and backyard with garden beds, along with an additional bedroom and bathroom. 3 car garage with included upper storage racks. Lots of bonus features...refinished wood floors throughout the main floor, new carpet upstairs, 3 yr old AC, whole house/attic fan, humidifier, exterior landscape lighting, deck drainage system, smart sprinkler system and thermostat, newer paint, Hunter Douglas blinds and Ring doorbell. Close to open space trails, shops, restaurants and hospitals, 4 recreation centers plus easy access to 470 and in the sought after Douglas County School District! Come see all that Highlands Ranch has to offer!
Source: RECO #8245264
Interest rate and monthly payment estimated based on public records.
Source: RECO #8245264
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: #8245264
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