9283 Sedalia St, Commerce City, CO 80022
4 beds · 3 baths · 2,745 sqft
Get a free consultation call with an expert in the mortgage assumption process.
Wow! ASSUMABLE loan at 2.75% interest rate to ANY 3rd party! Don't miss out on this one! This established Waterton model in Buffalo Highlands perched high on the street with great views! Move right in without the hassle of fencing, window coverings and landscaping. Quality construction and energy efficient living at its best! All stainless steel appliances stay, as well as additional light fixtures, washer, dryer, ceiling fans, solar tubes, custom shelving and storage in the primary bedroom & laundry. Desirable floor plan with 4 bedrooms upstairs plus a loft! The large primary suite is a mecca for relaxation with its great light, 5 piece bath, pullout mirror, vanity, custom closet & shelving. The 3 additional bedrooms, secondary bathroom & loft give everyone a place to call their own. The upstairs laundry with custom cabinetry and pullout ironing board add to the convenience. The main floor features a great office/living room space, powder bath plus an open concept kitchen, dining and family room. The gourmet kitchen is the heart of the home with its ample cabinetry, gas range, spacious pantry, gorgeous island for entertaining, stainless appliances and marble counters. You will love the warmth of the fireplace in the winter months and the extended deck in the back for summer. The full walkout basement is ready for your finishing touches with a rough in for future bathroom, sump pump & walkout access to the yard. Large west facing backyard with concrete side path, new sod, sprinkler system, extended patios front and back. Easy access for commuting, DIA, Rocky Mountain Wildlife Preserve, downtown Denver, and Brighton Crossing. Settle into this thriving neighborhood and enjoy a variety of fun community events throughout the year! Grab a bite to eat and watch the game at State House or explore all the area has to offer with new dining, shopping & entertainment venues at your convenience. Awesome opportunity, don't miss out!
Source: RECO #1602478
Learn about how it works
Why Roam
Gap financing to lower your down payment
Unlock down payments as low as 5% – only with Roam
5x the likelihood your offer is accepted
If a purchase takes longer than 45 days, we’ll cover the seller’s mortgage until you close
Close faster and stress-free
We close 2x faster because of our deep experience and lender relationships
Rates and payments are estimates based on public records.
Source: Public records
All values shown are estimated costs / mo.
Source: Public records
Source: RECO #1602478
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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