896 S Prairie Dr, Milliken, CO 80543
4 beds · 4 baths · 2,447 sqft
Welcome to Settlers Village. Step inside this beautifully maintained home, boasting over $30k in builder upgrades that make it feel like new. The main level features durable LVP hardwood floors and a sun-filled, open floor plan that leads to a modern kitchen. Here, you'll find 42-inch upper cabinets, sleek quartz countertops, and state-of-the-art Slate appliances. Your private sanctuary awaits upstairs in the master suite, complete with a spacious walk-in closet and a fully tiled shower. Fresh paint throughout the home enhances its new-like feel, while two additional bedrooms and a full bathroom with dual sinks offer ample space for family or guests. All new matte black lighting, ceiling fans, and kitchen faucets add a contemporary touch, while the convenient upstairs laundry room makes chores a breeze. The fully finished basement is perfect for entertaining or hosting guests, featuring a bedroom, full bathroom, and a cozy living room with a dry bar and quartz countertops. Outside, the three-car garage offers a 1200BTU mini split for heating and cooling, along with a hot/cold bib for easy car washing. Relax on the expansive 900-square-foot patio, surrounded by a fully landscaped yard with planter boxes, drip lines, and a full sprinkler system. Updated landscaping includes brick edging and a large sand pit, while an 8x10 shed provides additional storage. Neighborhood Pool is free to residents! Conveniently located with easy access to Longmont, Windsor, Fort Collins, Boulder, and North Denver, this home is near walking trails, bike paths, and neighborhood parks. Don't miss out on this incredible opportunity!
Source: RECO #IR1014725
Interest rate and monthly payment estimated based on public records.
Source: RECO #IR1014725
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: #IR1014725
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