4736 Rim Rock Ridge Rd, Fort Collins, CO 80526
7 beds · 8 baths · 9,304 sqft
Get a free consultation call with an expert in the mortgage assumption process.
Welcome to 4736 Rim Rock Ridge Road, an architectural marvel nestled in a mountain valley overlooking Horsetooth Reservoir, just west of Fort Collins. This exquisite timber-frame home boasts 10,762 square feet of meticulously crafted living space, set on 39 fenced-in acres offering unparalleled privacy and sweeping views of the valley and Horsetooth Reservoir. Step inside to discover new solid hickory wood floors that flow throughout the expansive first level; the great room has soaring 20' ceilings and floor-to-ceiling windows create a breathtaking backdrop for both relaxation and entertaining. The newly renovated main floor primary suite is a sanctuary of luxury, featuring an ensuite bathroom with high-end Grophe fixtures, a steam shower with multiple heads, and a Duravit toilet.The kitchen is large with generous counter space, cabinet storage, pantry, new Wolf Induction cooktop, built-in SubZero Refrigerator, new dishwashers, and a wall mounted double oven. This residence offers six bedrooms plus an office, and eight beautifully appointed bathrooms. Two laundry rooms, one on the main level and one on upstairs, ensure convenience wherever you are in the home. The attached garage accommodates 5 cars, with a lift for a 6th, ensuring ample space for your vehicles and has a bay w/ 10' door & 38' depth .Enjoy the convenience of modern amenities, including air conditioning, forced air heating, and laundry facilities in the building. Fitness enthusiasts will appreciate the in-home gym and the 12-person hot tub with an endless lap pool function, perfect for unwinding after a long day. Located just 10 minutes from Fort Collins, this gated community home provides easy access to shopping, dining, and more, all while maintaining a serene retreat-like atmosphere. With pet-friendly policies and private outdoor space, this home is a rare find. Don't miss the chance to make it yours.
Source: RECO #IR1031694
Learn about how it works
Why Roam
Gap financing to lower your down payment
Unlock down payments as low as 5% – only with Roam
5x the likelihood your offer is accepted
If a purchase takes longer than 45 days, we’ll cover the seller’s mortgage until you close
Close faster and stress-free
We close 2x faster because of our deep experience and lender relationships
Rates and payments are estimates based on public records.
Source: Public records
All values shown are estimated costs / mo.
Source: Public records
Source: RECO #IR1031694
To qualify, you must meet the current FHA or VA 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%. 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.
FHA (Federal Housing Administration) loans
FHA loans require the buyer to assume the mortgage as a primary residence.
VA (Veteran's Affairs) loans
You don't have to be a veteran to assume a VA loan. However, not all veterans are willing to let a non veteran assume their mortgage. Roam confirms the seller's willingness prior to you making an offer.
Investors
You may be able to assume a VA mortgage as an investor without it being your primary residence.
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.
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.
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.
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 “Save search” 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.
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 620, 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.
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