8665 Middle Fork St, Littleton, CO 80125
4 beds · 4 baths · sqft
This gorgeous two-story modern farmhouse in the Sterling Ranch neighborhood will steal your heart. The “Aston” Plan is ideal for growing families, boasting 4 bedrooms, 4 bathrooms, a Finished Basement, and third-story loft/game room. Enter from the front door to a large open-concept main living area, kitchen, and dining space. Enjoy the upscale amenities and contemporary design while entertaining or sipping coco by the fireplace. Beautiful luxury vinyl wood flooring is consistent throughout the main level, making the space feel open and bright. The chef’s kitchen features high-end gas stainless steel appliances, quartz countertops, custom cabinetry, and a large island with bar seating. The dining area is a great spot for relaxing dinners, with sliding glass doors that open to a private patio, encouraging dining and relaxing outside on those perfect Colorado evenings. Retreat to the second floor, where you're greeted by a versatile loft/game space fully customizable to fit your families needs. The large primary suite has lush carpeting and generous closet space. Two additional bedrooms complete the level offering plenty of space for family or guests, each with a large closet and a full bathroom. Next, escape to the Fully Finished basement, with recreational space for a TV, a full bathroom, and an additional bedroom/flex space. The spacious 2 car garage is insulated, features a 2400V EV charger, and smart sprinkler system. This beautiful home was finished May of 2024, is move in ready, and free from the hassle of working with builders and waiting on construction. Set a showing to discover your dream home today!
Source: RECO #5761845
Interest rate and monthly payment estimated based on public records.
Source: RECO #5761845
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: #5761845
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