7307 S Birch St, Centennial, CO 80122
4 beds · 3 baths · sqft
Sustainability meets sophistication in this modern retreat, designed for the conscious consumer. Thoughtfully updated with solar panels and geothermal heat pump, this home embodies mindful living. Step inside and be greeted by spaces that flow with purpose and intention. Enter into the living room, featuring soaring vaulted ceilings awash in natural light, creating an airy, uplifting ambiance. Enter the formal dining room connecting to an inviting eat-in kitchen, perfect for gathering. Stroll down a few steps to the living room which offers a cozy fireplace and seamless access to the back patio — perfect for indoor-outdoor entertaining. Upstairs, a spacious primary suite becomes your private sanctuary, with ample room to relax and recharge. Two additional bedrooms provide comfort and versatility for family, guests, and/or a home office. Outside, a beautifully renovated patio beckons for al fresco evenings under the stars with the glow of fire from the built in fireplace. Enjoy the shade of the mature trees in during the warm summers. Three versatile sheds accommodate your passions — whether it's a workshop, art studio, or simply extra storage. A playful sandbox and an expansive lot inspire joy and endless possibilities, completing this harmonious haven. Live beautifully. Live sustainably. Welcome home.
Source: RECO #3601760
Interest rate and monthly payment estimated based on public records.
Source: RECO #3601760
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: #3601760
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