6860 Krameria St, Commerce City, CO 80022
3 beds · 2 baths · 1,032 sqft
Charming brick ranch with three car garage and fully fenced yard where comfort, style, and convenience come together in one perfect package. You’ll love the open floor plan filled with sunlight, brand new windows, and gorgeous refinished hardwood floors. With three spacious bedrooms and two updated bathrooms, this home has room for everyone. The primary suite offers a private full bath and in-room laundry for your convenience. The kitchen is fresh and modern, featuring new cabinets, countertops, and sleek stainless steel appliances, and it flows right into a cozy dining area and bright family room, making this space ideal for everyday living and entertaining. Stay comfortable all year with central A/C and added attic insulation and new roof to keep things warm in the winter and cool in the summer. Step outside to enjoy a large fenced yard with a back deck, gazebo, sprinkler system, garden space, and plenty of room to play. The three-car detached garage is a dream come true—heated, insulated, with 10-foot ceilings, 220-volt power, and room for a lift, it's perfect as a workshop or space for all your projects. There’s even a large shed and plenty of off-street parking for your RV, boat, or extra vehicles. Sitting in a quiet neighborhood with quick access to highways, shopping, downtown Denver, DIA, and the beautiful Rocky Mountain Wildlife Refuge. At 1,032 square feet, this move-in ready home has everything you’ve been searching for. Don’t wait—this special place is ready for you to move in and enjoy today!
Source: RECO #4871468
All values shown are estimated costs / mo.
Source: Public records
Source: RECO #4871468
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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