5999 E 114th Ave, Thornton, CO 80233
4 beds · 3 baths · 2,752 sqft
***SHOWINGS START FRIDAY 4/4/2025***OPEN HOUSE SUNDAY 4/6 FROM 11AM TO 2PM***Move in ready updated 4-bedroom, 3-bath ranch style home with over 3000 total square feet located on a tree lines street in a quiet well kept North Thornton neighborhood Fall in love with the spacious great room with soaring ceilings, blinds, a harmonious blend of soft carpeting and wood flooring, and a three-way fireplace for relaxing evenings with loved ones. The well-appointed kitchen features a breakfast nook, granite countertops, recessed lighting, ample wood cabinetry, a tile backsplash, essential built-in appliances, a pantry, and a two-tier peninsula with a breakfast bar. Restful nights await in the serene primary bedroom, complete with a cozy sitting nook, an ensuite with double sinks, and a practical walk-in closet. The finished basement offers a family room, an additional bedroom with an attached bathroom, a versatile bonus room for extra storage, and a workshop for personal projects and hobbies. Spend enchanting moments in the backyard, which includes a lovely deck and lush natural turf for outdoor activities. Don't miss out on this fantastic opportunity! This home has been home warranty PRE-INSPECTED and comes with a 14 month home buyer's warranty***CHECK OUT THE 3D VIRTUAL OPEN HOUSE AND VIDEO ATTACHED TO THIS LISTING***More information coming soon!
Source: RECO #9975431
Financials
Source: RECO #9975431
Source: Public records
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%. 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.
Other resourcesWhat 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.
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