32123 CHRISTOPHER LN, Conifer, CO 80433
Imagine waking up to the soothing sounds of nature, surrounded by trees and majestic mountains, with the convenience of modern amenities. This beautifully updated 3-bedroom, 3-bathroom home is more than just a place to live—it's a sanctuary where comfort meets the beauty of Colorado. This home is situated on a school bus route with roads maintained 365 days a year for easy access to Highway 285, ensuring you're always connected. Strong and reliable Starlink internet service allows for full-time remote work, as the current owners did, making it the perfect balance of work and play. With the primary bedroom on the main level, you’ll find your own private oasis, while downstairs, two additional bedrooms offer space for loved ones or guests to share in the tranquility. The open floor plan invites warmth and connection, with sunlight pouring in through dual-pane windows, framing breathtaking mountain views at every turn. Step out onto the expansive deck, where the crisp mountain air refreshes your soul. Here, you can host gatherings with friends or simply unwind, watching elk, deer, and foxes as they quietly pass by. A gentle stream winds through the property, its peaceful flow enhancing the serene atmosphere. This home has been thoughtfully updated, with a new roof added in 2019 and a 2-car attached garage for convenience. All that’s missing is your story. Let this home become the backdrop to your Colorado dream, where every day feels like a retreat into the heart of nature, with the added comforts of modern living.
You may be able to put down less than the total down payment amount of $449,997 and have the rest of the funds financed with a 2nd mortgage from a lender. 4
Location
Details
How it works
Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step.
Tour
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.
Offer
Roam works with you, your agent, and the listing agent to prepare a mortgage assumption agreement and finalize all details.
Close
Roam coordinates all parts of the transaction and keeps all parties up to date to provide a seamless 45-day close.
Who can qualify
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.
Frequently asked questions
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.
Will an assumption work for me?
An assumption might be a suitable option for you if you meet the lender’s qualifications. We also offer Roam Boost to help buyers reduce the down payment required to a minimum of 5-15%. See below for more FAQs specific to Roam Boost.
Why do buyers use Roam?
Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step.
Roam helps home buyers find and purchase homes with a low-rate assumable mortgage included. Once you find your dream home, Roam manages the process of assuming a low-interest rate mortgage, helping buyers save thousands a year on mortgage payments compared to buying with a traditional mortgage at today’s rates. On average, buyers who use Roam save $15,000 in mortgage payments annually.
MLS ID: #8130090
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