6355 E 143rd Dr, Thornton, CO 80602
4 beds · 4 baths · 2,851 sqft
Amazing opportunity in the highly sought after North Hill Neighborhood,this 2021-built home has 4 bed,4 bath,4car garage Toll Brothers home is where elegance and everyday comfort meet with 4281 total square feet of space. Walk in to the spacious foyer that leads to the open concept great room with soaring ceilings and sliding windows out to the covered patio. Natural light floods the great room and contemporary kitchen and dining area, all perfect for entertaining. The gourmet kitchen features an oversized island w 4 seats, stainless appliances including double oven and built in microwave and gas cooktop and walk in pantry. Main level also features an office off the foyer and beautiful powder bath with upgraded luxury vinyl flooring throughout. Upstairs features the spacious and warm primary bedroom and double shower bathroom suite, a true retreat. The 2nd bedroom has its own enclosed bathroom and the other 2 bedrooms share a jackandjill bathroom all with spacious closets. The basement has tall 9ft ceilings and rough in, ready for your finishing touches if so desired. The four car garage,(2 separate 2 car) is completely finished with epoxy floors and storage. The covered patio can open to the living space, creating and amazing indoor/outdoor feel to enjoy the Colorado seasons. Energy efficient home w solar panels, R60 insulation, smart thermostat, uv protected windows on south and west, dual ac and hvac systmes, this home stays cozy in the winter and cool and in the summer. The vibrant family friendly neighborhood offers walkability to the clubhouse, pool, park playground and open spaces. Move in ready with high end finishes, do not miss this opportunity, especially at this incredible price.
Source: RECO #5319293
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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
Source: RECO #5319293
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. When you apply for the loan, you must attest that the home will be your primary residence for 12 months to be approved for an FHA assumption. Most lenders will ask that you move in within 60 days.
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.
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 “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.
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 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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