9822 Chambers Dr, Commerce City, CO 80022
5 beds · 3 baths · 3,220 sqft
Welcome to this charming home nestled in the sought-after Fronterra Village community of Commerce City! With beautiful front landscaping and a west-facing covered front porch, this home offers the perfect spot for enjoying your morning cup of coffee while soaking in the serene surroundings. The west-facing driveway is also a practical touch, helping to melt away snow during the winter months. As you step inside, you're greeted by a sunny living room adorned with bay windows, leading seamlessly into the formal dining space—an ideal setting for hosting gatherings or everyday living. Continuing down the hall, discover the open living space, where the family room and kitchen flow together effortlessly. Sliding glass doors from the kitchen open onto the patio, providing an inviting space for indoor-outdoor living and entertaining. Upstairs, a flexible loft space awaits, offering versatility to suit your needs. The primary bedroom suite provides a tranquil retreat with a large closet/dressing room while three additional bedrooms, a full bath, and a laundry room offer convenience and comfort for all. The 900 sq ft unfinished basement presents ample storage or expansion potential, catering to your future needs. Outside, the backyard features a patio, lawn area, landscaping, and large mature trees, offering ample afternoon shade and creating a peaceful oasis perfect for enjoying outdoor activities and relaxation. The back patio is east-facing, offering shade in the afternoon for added comfort. With a set-and-forget sprinkler system , automated watering of 2 porch planters, and a professional inspection completed in January 2024, this home offers peace of mind and convenience. Don't miss your opportunity to make this your dream home!
Source: RECO #3175649
Interest rate and monthly payment estimated based on public records.
Source: RECO #3175649
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: #3175649
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