6421 Dry Fork Cir, Frederick, CO 80516
3 beds · 3 baths · 2,064 sqft
Get a free consultation call with an expert in the mortgage assumption process.
Imagine pulling up to your almost-new home—sleek, modern, and totally move-in ready. The kind of place that says “you’ve made it” the moment you step through the front door. Practically brand new, this beauty has all the fresh, clean vibes of new construction without the wait or builder hassle. Being East/West facing, this home draws the most stunning natural light, all day long, it's a great day to be a houseplant in this home. Let me tell you about this home's greatest flex - three bedrooms on one floor. Why's that the ultimate power move? Convenience, my friend. Everyone’s on the same level. Whether it’s you checking in on kids, guests, or just not wanting to trek up and down stairs—you’ve got easy access to every room, all the time. One of those bedrooms is your primary dream suite, both spacious and peaceful with a bathroom (and closet) that whispers 'I've arrived'. Outside, a covered patio—your shady sanctuary. Whether it’s raining or blazing hot, you’re chilling in comfort. Add some cozy outdoor furniture, market lights already included. But steps away is your grilling slab. A dedicated, concrete area built just for BBQ greatness. Got kids? You're one flip-flop away from the popular neighborhood park. And bonus—you’ll become that house. The one friends and neighbors love to stop by after a playdate, just in time for summer.
Source: RECO #2764076
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 #2764076
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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