33 L RD, Golden, CO 80403
Looking for the top of the mountain for a new home? This is a must-see! This mountain/contemporary home features 5 bedrooms and a unique; functional layout with attic living space included. The property is filled with windows, both big and small, bringing in plenty of natural light. You'll love the added side deck space and the fenced south side garden, filled with both planted and natural beauty. At the top of the house, the attic bedroom has a door that opens to a breathtaking view, approximately 9,000 feet high. There's also a shed for your tools, and three added steps give you a perfect seat to enjoy the landscaped yard. The Wondervu Cafe is conveniently located across the road. The 33 L Rd driveway is more U-shaped than L-shaped, despite what the address suggests. Winter maintenance is manageable. While parking isn't the best, it accommodates three cars and a motorcycle comfortably. Come and see this incredible home for yourself! The natural habitat is ideal for nature lovers, and it's only 20 minutes to the Eldora ski area from CO 72 Coal Creek Canyon. Just 10 minutes to Eldorado State Park and 30 minutes to Arvada or Boulder. Be sure to drive safely on the mountain roads.
You may be able to put down less than the total down payment amount of $345,351 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: #1767011
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