6484 S HARVEST ST, Aurora, CO 80016
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!
You may be able to put down less than the total down payment amount of $35,984 and have the rest of the funds financed with a 2nd mortgage from a lender. 4
Location
Details
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?
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.
Will an assumption work for me?
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?
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.
MLS ID: #5618425
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