720 N Bersshine Ct, Watkins, CO 80137
2 beds · 3 baths · 1,267 sqft
Looking for a quiet, peaceful neighborhood that feels far away—but isn’t? This nearly new 2-story townhome offers the best of both worlds. Situated across from single-family homes, it features a spacious great room that flows seamlessly into the kitchen, complete with a breakfast bar, quartz counters, large single-bowl sink, and stainless appliances—including a range with a built-in air fryer. Upstairs, the primary suite boasts a well-appointed en-suite bath, large walk-in closet, and linen closet. A generous secondary bedroom also features its own walk-in closet. You’ll find 2.5 stylish bathrooms with quartz counters and luxury vinyl floors, plus a versatile loft—perfect for a home office, gaming space, or reading nook. The upper-level laundry room includes shelving, and the fully drywalled, insulated 2-car attached garage with its own driveway (rare for a townhome!) adds both convenience and storage. The conditioned crawl space is ideal for seasonal storage. Upgrades and additions throughout include slab quartz counters, durable and easy-to-clean luxury vinyl plank flooring, and ceiling fans added by the sellers for extra comfort and style. Relax outside on the spacious, partially covered front porch and enjoy the peace and quiet or watch distant storms that form from Parker to Thornton but rarely make it to this part of town. The HOA maintains walking trails, dog stations, and multiple parks—all within a few blocks—making this a community built for connection and enjoyment. Families will love being just two blocks from Sky Ranch Academy, a K–9 tuition-free public charter school. While Downtown Denver and the DTC area are only 25 minutes away, Watkins offers a charming small-town vibe with strong community spirit. One of the highlights is the Fourth of July Celebration, featuring fireworks, food trucks, face painting, inflatables and live music. In the fall, the Harvest Festival brings the community together with hayrides, pumpkin picking, and local craft vendors.
Source: RECO #6750851
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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
Source: RECO #6750851
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. When you apply for the loan, you must attest that the home will be your primary residence for 12 months to be approved for an FHA assumption. Most lenders will ask that you move in within 60 days.
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 “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.
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 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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