8010 W Chestnut Dr, Littleton, CO 80128
3 beds · 2 baths · 1,950 sqft
Nestled in the coveted Littleton neighborhood of Columbine Hills, this bi-level home offers an idyllic suburban retreat with one of the largest fenced lots in the area—over half an acre of landscaped space. Boasting three well-appointed bedrooms and two bathrooms, this residence combines comfort with convenience. No HOA in this neighborhood, giving you freedom to create your own oasis! Through the fully enclosed breezeway that can double as a large mudroom, step inside to a bright and welcoming living room that seamlessly connects to an expansive custom-built deck. Perfect for entertaining or quiet relaxation, the deck features high-quality Trex planks and elegant wrought iron railings, complemented by a charming pergola that invites you to enjoy peaceful afternoons outdoors. The lower level of the home includes a spacious primary suite that promises privacy and comfort. This serene retreat is highlighted by an oversized walk-in closet and direct walkout access to the lush backyard. Additionally, a large laundry room adds practicality and ease to your daily routine. Location is key, and this home is ideally situated near Columbine Park, offering ample recreational opportunities. Enjoy quick access to C-470, placing Morrison, Downtown Littleton, and Highlands Ranch just minutes away—perfect for commuters or weekend adventurers. This Littleton gem is more than just a house—it's a place to call home. Whether you're hosting gatherings on the deck, exploring nearby parks, or simply enjoying the vastness of your private yard, life here is poised for enjoyment and full of potential
Source: RECO #3704193
Financials
Source: Public records
Source: RECO #3704193
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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