9445 E 106th Pl, Commerce City, CO 80640
4 beds · 4 baths · 2,563 sqft
Stunning pride of ownership, clean, updated 4 bedroom, 4 bath, 2 car garage Charming property boasting an array of sleek upgrades, including a new roof, fresh interior and exterior paint, professionally cleaned carpet, new hardwood flooring, stainless steel appliances, granite counters, and a beautifully remodeled $10,000 low-maintenance backyard oasis and more! This property is the epitome of pride of ownership as seen through out home and the care of this property shows. The property also boasts an expansive gated covered front porch perfect for rocking chairs, mature trees, a top-of-the-line hot tub (serviced and winterized for new owner), ambient outdoor lighting, raised garden beds, and more! Inside, the open floor plan seamlessly connects the living and dining areas as well as the gourmet chef's kitchen with granite counters, stainless steal appliances, fresh paint, pantry and a custom gate to keep children and pets when cooking, and features a main-level bedroom and bath offering the perfect retreat for guests or private office space. The upper level features two additional bedrooms with a full bath, and laundry area. The oversized primary suite features a walk-in closet with upgraded shelfing and finishes, and a gorgeous primary bath with too many upgrades to list, a must see! The basement stands out with a new futuristic bathroom – a true showstopper and a large basement perfect for a game or exercise room the ideas are endless in this space! The basement also features a extremely large storage area, newer whole-house water filtration system and water softener. This property also includes a free neighborhood fitness center, weekly food trucks, daily activities and events. With its abundance of natural light, spacious rooms, and numerous upgrades, this home embodies warmth, sophistication, and limitless possibility. Don't miss the opportunity to make this incredible home yours. Seller is offering an one year home warranty. Listed for under Market Value!
Source: RECO #8499779
Financials
Source: Public records
Source: RECO #8499779
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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