10527 Troy St Commerce City, CO 80022
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About this home
Assumable VA 2.99% loan. Welcome to this spacious and beautifully updated 6-bedroom, 3-bath ranch home in the highly sought-after Turnberry neighborhood. This home is truly move-in ready! View property web site: https://v6d.com/houses/10527-troy-st-commerce-city-co-80022/ The main level features a bright and open floor plan, highlighted by a large primary suite with a private en-suite bath. Two additional bedrooms on the main floor provide flexibility for family/guests or a dedicated home office—already wired for CAT5 and cable for seamless connectivity. Gorgeous wood flooring and tile add durability and style. The chefs kitchen is upgraded with granite counter tops and Oak hard wood cabinets. Downstairs, the newly, fully finished basement expands your living space with 3 conforming bedrooms (each with egress windows), 3 vanity sinks, a kitchenette with dining area, and a laundry,—ideal for multi-generational living, rental income, or simply extra room to spread out. A unique bathroom setup with 3 vanities and a private toilet/sink room ensures no one ever has to wait their turn. Convert one bedroom to a rec room, gym, or hobby area, plus generous storage room with and a handy workbench. The garage is equipped with 220V power—perfect for workshop projects, EV charging, or hobbyists. With no pets in the home under current ownership, the property has been meticulously maintained. Neighborhood perks: Turnberry offers fantastic amenities including playgrounds, Turnberry school, neighborhood parks, and a community pool. Conveniently located with quick highway access, you’ll enjoy easy commutes to Denver, DIA, and surrounding areas. This home truly has it all—space, flexibility, upgrades, and a welcoming community. Don’t miss the chance to make it yours!
Source: RECO #3253351
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FAQs
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.
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.
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.
When assuming the existing mortgage as part of a home purchase, the buyer has to cover the seller’s equity in the home. The seller’s equity is the purchase price minus the remaining mortgage balance. This amount must be covered in full through an all-cash down payment or by taking out a second mortgage.
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