3423 Rosewood Ln, Johnstown, CO 80534
3 beds · 3 baths · 2,207 sqft
Welcome to your dream home in the sought-after Thompson River Ranch subdivision in Johnstown, Colorado. This stunning two-story single-family residence boasts 3 spacious bedrooms, 3 luxurious bathrooms, and an expansive loft, perfect for a home office or additional living space. The primary suite, located on the upper floor, offers a serene retreat with its own full bathroom featuring modern fixtures and finishes. The additional upstairs bathroom ensures convenience and privacy for family members or guests. Upon entering, you'll be greeted by an inviting open-concept living area that seamlessly blends the living room, dining space, and kitchen, creating an ideal environment for entertaining and everyday living. The kitchen is a chef's delight, equipped with high-end stainless steel appliances, ample counter space, and elegant cabinetry. Large windows throughout the home flood the space with natural light, highlighting the contemporary design and warm, welcoming atmosphere. The basement, though framed and awaiting your personal touch, presents a fantastic opportunity to expand your living space. Whether you envision a home theater, gym, or additional bedrooms, the possibilities are endless. This home's potential is truly unmatched, offering a blank canvas for your creativity. The exterior of the property is equally impressive, featuring a charming backyard perfect for outdoor gatherings and relaxation. The attached two-car garage provides ample storage and convenience, enhancing the overall functionality of this remarkable home. Don't miss this exceptional opportunity to own a beautiful home in one of Johnstown's most desirable neighborhoods. With its blend of modern comforts and potential for customization, this property is ready to welcome you and your family to a lifestyle of comfort, convenience, and endless possibilities. Schedule your private showing today and step into a world of elegance and potential. $5K seller Concession to replace carpet.
Source: RECO #6358333
Source: RECO #6358333
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: #6358333
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