3451 N Humboldt St, Denver, CO 80205
2 beds · 2 baths · 1,269 sqft sqft
This picturesque 1886 Victorian has the perfect mix of historic charm and modern updates, and offers an amazing lifestyle in the quiet Cole neighborhood surrounded by homes with character while being just a short walk to the vibrant local scene of the RiNo Art District. There is so much curb appeal in the classic white exterior, private fenced-in front yard, big covered front porch + gorgeous stained glass detailing over the front door. Once you walk inside, you’ll find a unique open floorplan, high 11-foot ceilings, and oversized windows making the space feel airy and full of natural light. The hardwood floors, craftsman trim, and traditional fireplace show off the home’s historic character. The welcoming living + dining areas flow into a well-sized kitchen with dark wood cabinets, neutral stone countertops, and stainless steel appliances. The primary bedroom features a large ensuite bathroom and a huge walk-in closet, which is a rarity amongst homes from this era. The large basement has plenty of room for storage and has great potential as a flex space. The front foyer/office space could be easily converted back into a 3rd bedroom if desired. The backyard is well-landscaped with plenty of grass, but also has a raised deck that offers a great private outdoor living space with room for lounge and dining furniture. Never have to worry about street parking with the 2-car garage, or set it up as a home gym or flex space. The home’s lot is zoned for an ADU, which allows possibility for future investment potential. Situated in close proximity to downtown Denver + RiNo, this location can’t be beat - it's just minutes from so many amazing restaurants, breweries, coffee shops, and Denver staples like City Park, the Zoo and Museum. It’s just blocks away from the 39th Ave Greenway + Platte River Trail with miles of running + biking trails, multiple light rail stations, or I-70 for a quick connection to I-25 or an easy commute to the mountains or DIA.
Source: RECO #4820750
Interest rate and monthly payment estimated based on public records.
Source: RECO #4820750
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.
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: #4820750
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