1 of 46
$725,000

534 Hearthstone Ave, Brighton, CO 80601

4 beds · 4 baths · 3,248 sqft sqft

Welcome to 534 Hearthstone Ave, where luxury meets comfort in this stunning residence nestled in the heart of Brighton. Step inside to discover an elegant foyer that sets the tone for the exquisite finishes that await. The expansive open concept living area is bathed in natural light, providing an inviting space for relaxation and entertainment. A beautiful gourmet kitchen awaits you, complete with sleek quartz countertops, black stainless steel appliances, and a generous walk-in pantry, ensuring ample storage space for all your culinary needs. Need a quiet space to work or study? Look no further, this home offers you an expansive and private office located on the main floor, ideal for productivity and focus. Head upstairs to find your new luxurious primary bedroom, featuring a lavish ensuite bathroom and a walk-in closet, offering a private sanctuary to unwind after a long day. Head down the hall to find a private guest suite, complete with its own bath. To complete your upstairs living, you will find two additional bedrooms, a full bath and laundry room fully equipped with a full size washer and dryer. With a 3 car garage and a large unfinished basement, storage and expansion possibilities are endless. The private yard awaits your personal touch to transform it into the outdoor oasis of your dreams. Conveniently located near schools, parks, shopping and major highways, this home offers the perfect balance of tranquility and convenience. Don't miss the opportunity to make this extraordinary property your own! Schedule your showing today and experience the height of luxury living at 534 Hearthstone Ave!

Interest rate 3
2.9%
With Roam
6.5%
The seller’s mortgage rate at the time the loan was originated.
Monthly payment 3
$2,156
With Roam
$3,156
Reduce your monthly payments by $1,000 when you assume this mortgage.
You also save $318,000 in total interest paid.

$246,856
Edit

You may be able to put down less than the total down payment amount of $246,856 and have the rest of the funds financed with a 2nd mortgage from a lender. 4

Interest rate and monthly payment estimated based on public records.

Roam helps you take over the seller’s lower interest rate 1
We help you assume the seller's mortgage and avoid higher prevailing market rates.

45-day closing guarantee 2
We work directly with the mortgage servicer to help you quickly and easily close the transaction.
Location
Details
Home
Size
3,248 sqft
Price per sq ft
$223
Lot size
0.15 acres
Year built
2020
Type
Single Family Residence

Source: RECO #6006677

Loan
Remaining term
26 years, 6 months
Rate
2.9%
Monthly P&I
$2,156
Remaining loan balance
$478,143

Source: Public records

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?

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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?

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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?

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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?

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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?

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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.

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Last updated: Oct 22, 2024 08:53 am
Listing agent: Diana Rodriguez (303) 847-6293
Listing provided courtesy of: Coldwell Banker Realty 24 (303) 409-1300
Details provided by RECO and may not match the public record.
MLS ID: #6006677
The content relating to real estate for sale in this Web site comes in part from the Internet Data eXchange (“IDX”) program of METROLIST, INC., DBA RECOLORADO® Real estate listings held by brokers other than Everystate are marked with the IDX Logo. This information is being provided for the consumers’ personal, non-commercial use and may not be used for any other purpose. All information subject to change and should be independently verified.
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Disclaimers
1 Roam connects buyers and sellers to homes with assumable mortgages via a concierge service. Roam does not offer or engage in mortgage lending activity.
2 45 day guarantee is subject to credit approval by your loan servicer.
3 The assumable interest rate shown for this assumable mortgage is an estimate using the average of interest rates in this home's area at the time of the last sale. The actual assumable interest rate may differ. Estimated payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Roam connects buyers and sellers to home with assumable mortgages via a concierge service. Roam does not offer mortgage loans, extend credit, make credit determinations, or otherwise engage in mortgage lending or brokering activities. The lender makes all credit and qualification decisions with buyers. Any determination to extend credit to a buyer is a decision by the lender, and not by Roam.
4 The lender makes all credit and qualification decisions with buyers. Any choice to extend credit to a buyer is a decision by the lender, and not by Roam.
$2,156/mo
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