6898 W Rockland Pl, Littleton, CO 80128
3 beds · 3 baths · 1,614 sqft
Open ~ Bright ~ Low-Maintenance ~ Ideal Location ~ This newer (2002), Richmond-built home, features an open-concept, main level, seamlessly connecting a spacious living area and a functional kitchen. The high ceilings and natural light make this home feel bright and airy. The kitchen features stainless appliances, full pantry, wood vinyl flooring, and ample cabinet space, perfect for both daily meals and entertaining. Upstairs, you’ll find a primary suite and two bedrooms, a secondary bath, and a full laundry space. The primary suite features a walk in closet, complete with built-in organizers and a built-in safe. It also includes a large vanity with single sink and a separate shower room. Newer plush carpet upstairs and fresh paint on the main level make this home move in ready. Low-maintenance concrete patio and turf is inviting and feels like a second living area. Four-legged friends will enjoy access to a dog run and garage kennel all year long. Two car garage provides ample parking and storage. The tile roof was inspected and repaired in 2024, and the exterior was painted that same year, giving the home fresh curb appeal. Regular HVAC check-ups twice a year ensure reliable comfort in every season. The HOA covers trash, recycling, snow removal, and grounds maintenance. With monthly dues of just $67, you’ll enjoy a well-kept community without the extra hassle. Located in a friendly neighborhood with a park right across the street, this home is close to Chatfield Reservoir, Waterton canyon, and plenty of open space for walking or biking. This is the ideal location, 15 minutes to Red Rocks for a concert under the stars, 5 minutes to foothills trails, and easy access to downtown, Light Rail, C-470, or DTC. The best of Colorado living.
Source: RECO #7411476
Financials
Source: Public records
Source: RECO #7411476
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.
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.
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