9451 Garden Ct, Highlands Ranch, CO 80126
3 beds · 3 baths · 1,488 sqft sqft
Welcome to your Charming 3 Bedroom, 2 Bathroom Highlands Ranch Home. **Property Highlights: Front facing south for quick snow melt and abundant natural light, **End of cul-de-sac location with beautiful mountain views and stunning sunsets, ** Bright open spaces with large windows and skylights that flood the home with natural light. **Upgrades: *2021 New washer, dryer, refrigerator, dishwasher and bathrooms remodeled. *2023 Electric upgrade to 220V and hot tub addition, *2024 Fresh paint, New carpet, and a brand new stove. **Additional Features: *Spacious basement and garage with built-in storage shelves and a workbench, *Trex deck off the kitchen with wrought iron railing, deck plumbed for a gas grill. *Cozy gas fireplace in the family room. *Basement is plumbed for a future bathroom. *Electrical upgrade ready for EV charging installation. *Roof is approximately 8 years old. *Fans throughout the home and vaulted ceilings for an airy, open feel. *Located in a quiet neighborhood near a school and park. **Community Amenities: *Highlands Ranch Community Association offers access to 4 different clubhouses with pools, tennis courts, pickleball, basketball and much more! This home is turnkey and ready to be loved. Schedule your private showing today! ***Discount rate of .05%, as well as no fee refinancing for the life of the loan when you purchase this home using Orchard Mortgage.
Source: RECO #4933998
Interest rate and monthly payment estimated based on public records.
Source: RECO #4933998
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.
Will an assumption work for me?
An assumption might be a suitable option for you if you meet the lender’s qualifications. We also offer Roam Boost to help buyers reduce the down payment required to a minimum of 5-15%. See below for more FAQs specific to Roam Boost.
Why do buyers use Roam?
Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step. Roam helps home buyers find and purchase homes with a low-rate assumable mortgage included. Once you find your dream home, Roam manages the process of assuming a low-interest rate mortgage, helping buyers save thousands a year on mortgage payments compared to buying with a traditional mortgage at today’s rates. On average, buyers who use Roam save $15,000 in mortgage payments annually.
MLS ID: #4933998
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