6484 S Harvest St, Aurora, CO 80016
3 beds · 2 baths · 1,517 sqft sqft
Located within the Award-Winning Cherry Creek School District, this Wheatlands Ranch Style Home combines Style & Function! Stunning Hard Wood Floors greet your feet as you enter into this amazing home! These gorgeous floors continue throughout and compliment the high-end finishes in each room. Enjoy cooking for family and friends in this Chef's Kitchen, complete with White Shaker Cabinets, Beautiful Granite Counters, Stainless Steel Appliances, Double Oven and Gas Range. With the open floorplan you can cook and entertain at the same time! Off the kitchen you will find the Dining Area and Great Room with a gas burning fireplace with a beautiful tile surround. When it's time to relax, head over to your Spacious Primary Suite. With plenty of space, the Primary Suite could accommodate a sitting area, meditation space or whatever function you wish. The Primary Suite is completed with a Large Soaking Tub, Separate Shower, Dual Vanities and Walk-In Closet. The main level is completed with a Secondary Bedroom, Full Bathroom and a sizeable Office that could be used as a 3rd Bedroom. This house also has an unfinished basement with bath rough-in ready to finish to suit your lifestyle. A large crawl space provides a place for all your storage needs. The covered back porch and large concrete patio make for a great space to relax, play or entertain in the large and private backyard. This amazing home is within walking distance to Pine Ridge Elementary School, the community clubhouse and the community pool! Just minutes from the Aurora Reservoir, this home is perfectly located with access to outdoor recreation and shopping and dining at Southlands. In addition, a family YMCA membership is included with your HOA! With all this home has to offer and a price that can't be beat, this home is practically PERFECT!
Source: RECO #5618425
Interest rate and monthly payment estimated based on public records.
Source: RECO #5618425
Source: Public records
Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step.
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.
Roam works with you, your agent, and the listing agent to prepare a mortgage assumption agreement and finalize all details.
Roam coordinates all parts of the transaction and keeps all parties up to date to provide a seamless 45-day close.
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.
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 “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.
MLS ID: #5618425
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