4322 Decatur St, Denver, CO 80211
4 beds · 2 baths · 1,486 sqft
OPEN HOUSE SATURDAY 11AM-2PM Welcome to this Sunnyside Bungalow with two separate entrances & updates throughout the entire home! The 1920s charm of the hardwood flooring welcomes you inside the main living room, backdropped by a wood burning fireplace. Upgraded chef’s kitchen with stainless steel appliances, 6 burner stove top, tiled backsplash, espresso cabinetry with under cabinet lighting & upgraded functionality, new counter tops and tiled flooring. The main floor bathroom has been completed renovated with floor to ceiling tiled wall, tiled shower pan, new window, vanity, toilet, mirror, lighting, flooring, plumbing and trim. 2 bedrooms are located on the main level with one offering multi-functionality as a front office, playroom or dining room. The primary bedroom is located down stairs with a completely updated 5 piece ensuite and walk in closet with brand new built ins. The additional 4th bedroom, non conforming w/o the closet, is also located downstairs. Additional upgrades include: new sewer line, egress window & window well, boiler, flooring, trim, paint, new front door both upstairs & down, hardware throughout the entire home, tirm throughout & hardwood on stairs. Off the kitchen enjoy the large private outdoor space with a covered patio area which extends to the newly placed sod. The 2 separate, detached 1 car garages are also located out back, along with additional slab for private off street parking. Investment opportunities are limitless with the two separate entrances and potential to add an ADU. Information provided herein is from sources deemed reliable but not guaranteed and is provided without the intention that any buyer rely upon it. Listing Broker takes no responsibility for its accuracy and all information must be independently verified by buyers.
Source: RECO #9556176
Interest rate and monthly payment estimated based on public records.
Source: RECO #9556176
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: #9556176
This publication is designed to provide information with regard to the subject matter covered. It is displayed with the understanding that the publisher and authors are not engaged in rendering real estate, legal, accounting, tax, or other professional services and that the publisher and authors are not offering such advice in this publication. If real estate, legal, or other expert assistance is required, the services of a competent, professional person should be sought.
The information contained in this publication is subject to change without notice. METROLIST, INC., DBA RECOLORADO MAKES NO WARRANTY OF ANY KIND WITH REGARD TO THIS MATERIAL, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. METROLIST, INC., DBA RECOLORADO SHALL NOT BE LIABLE FOR ERRORS CONTAINED HEREIN OR FOR ANY DAMAGES IN CONNECTION WITH THE FURNISHING, PERFORMANCE, OR USE OF THIS MATERIAL.
PUBLISHER'S NOTICE: All real estate advertised herein is subject to the Federal Fair Housing Act and the Colorado Fair Housing Act, which Acts make it illegal to make or publish any advertisement that indicates any preference, limitation, or discrimination based on race, color, religion, sex, handicap, familial status, or national origin.
METROLIST, INC., DBA RECOLORADO will not knowingly accept any advertising for real estate that is in violation of the law. All persons are hereby informed that all dwellings advertised are available on an equal opportunity basis.
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.