826 Hayloft Ln, Fountain, CO 80817
3 beds · 2 baths · 1,295 sqft
Welcome to this charming ranch-style home nestled in the desirable Countryside neighborhood of Fountain, Colorado. This well-maintained residence offers a perfect blend of comfort, style, and convenience, making it an ideal choice for families or first-time homebuyers. Upon entering, you're greeted by a spacious living room featuring vaulted ceilings and a cozy gas fireplace, creating a warm and inviting atmosphere. The open layout seamlessly connects the living area to the modern eat-in kitchen, which boasts ample cabinetry, stainless steel appliances, and a convenient pantry, providing both functionality and a pleasant space for meal preparation. The primary bedroom serves as a private retreat with its ensuite bathroom and walk-in closet, while two additional bedrooms and a second full bathroom offer comfortable accommodations for family members or guests. Step outside to enjoy a well-sized backyard, perfect for outdoor activities, gardening, or simply relaxing. The attached two-car garage adds convenience and extra storage space. Located within walking distance to local schools, parks, and open spaces, this home offers easy access to community amenities. Its prime location also ensures a convenient commute to Fort Carson Army Base, Peterson Air Force Base, and Schriever AFB, as well as shopping and dining options along Mesa Ridge Parkway. With no HOA fees, you can enjoy the freedom of homeownership without additional restrictions.
Source: RECO #4009123
Financials
Source: RECO #4009123
Source: Public records
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%. 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.
Other resourcesWhat 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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