7686 Grady Cir, Castle Rock, CO 80108
3 beds · 3 baths · 3,230 sqft
Impeccably maintained home in the highly sought-after Cobblestone Ranch community. This Whitman floorplan from Richmond American Homes opens into a bright and sophisticated living room with a built-in bookcase and wood floors; an upgraded kitchen with granite countertops and island as well as tiled backsplash; adjacent dining area; family room with a tiled gas fireplace, mantel, wired for surround sound; and sliding glass doors opening to the large wood deck. The main floor also features the conveniences of a mud room and powder room. Upstairs the home features a spacious loft with motorized blinds over the stairway and sweeping east facing views; a large primary suite with 5-piece bathroom and huge walk-in closet with window that brings in lots of natural light. Two secondary bedrooms with walk-in closets, a full bathroom, and a laundry room with smartly planned closet/storage round out the second level. The upgraded HVAC system includes new electric heat pump water heater, furnace with humidifier and humidistat control, smart thermostat with 3 zoned sensors (1 on the main floor, and 2 on upper level), & Central AC. 2 car attached garage with a 40 amp EV smart charger and smart garage door opener. Whole house surge protector, radon mitigation system, sump pump. The unfinished, walk-out basement is stubbed for future bathroom and features sliding glass doors to the fenced backyard and patio. The basement has an electrical sub-panel installed for easy basement finishing.Close to Downtown Castle Rock, Parker and easy access to I-25 and 470, and in the the nationally recognized Douglas County School District. Cobblestone Ranch has a low HOA fee that includes use of the community pool and amenities, and is home to the Town of Castle Rock's newest community park & trails!
Source: RECO #4270860
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If a purchase takes longer than 45 days, we’ll cover the seller’s mortgage until you close
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Rates and payments are estimates based on public records.
Source: Public records
All values shown are estimated costs / mo.
Source: Public records
Source: RECO #4270860
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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