9445 E 106th Pl, Commerce City, CO 80640
4 beds · 4 baths · 2,563 sqft
Experience the ultimate blend of style and serenity in this stunning pride of ownership, clean, updated four-bedroom, four-bath, two-car garage Southern-style bungalow. 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, an array of new windows, a fireplace, and a beautifully remodeled $10,000 low-maintenance backyard oasis, this property is the epitome of modern living and relaxation. The property also boasts an expansive gated covered front porch, mature trees, newly poured concrete, a top-of-the-line hot tub, ambient outdoor lighting, raised garden beds, perfect for outdoor entertainment and relaxation. Inside, the open floor plan seamlessly connects the living and dining areas as well as the gourmet chef's kitchen, 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, a full bath, ample storage, including a laundry area (washer and dryer included) and an abundance of natural light. The upper level also features an oversized master suite with an upgraded walk-in steam punk closet, deep tub, sleek brushed gold finishes, wainscoting, fresh paint, and more. The basement stands out with a new futuristic bathroom – a true showstopper that is a must-see with automatic futuristic features, a large area for a game or exercise room, and abundant space for storage. The property also features a whole-house water filtration system and water softener. 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 property yours. This property also includes a fitness center conveniently located in the neighborhood, a home warranty, and a concession for additional upgrades.
Source: RECO #8365802
Source: RECO #8365802
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. When you apply for the loan, you must attest that the home will be your primary residence for 12 months to be approved for an FHA assumption. Most lenders will ask that you move in within 60 days.
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 “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.
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 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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