10859 Hidden Ridge Cir Peyton, CO 80831
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About this home
Welcome to an inviting two-story residence nestled on a quiet cul-de-sac in the Falcon Highlands community. Built in 2012, this 2,354-sq-ft home offers a flexible floor plan with four bedrooms and three bathrooms, plus a loft and a main-level office, providing ample room for working, relaxing and entertaining. Step inside to discover an open concept main level anchored by a spacious kitchen with rich cabinetry, a center island and a walk-in pantry. The kitchen flows into the dining area and living room for seamless gatherings. Central air conditioning, ceiling fans, and an upstairs laundry add everyday comfort and convenience. The upper level includes a generous loft and a primary suite designed as a private retreat. The suite features a cozy sitting area, a five-piece bath, and a large walk-in closet. Three additional bedrooms and another full bathroom round out this level. Appliances such as a dishwasher, microwave, range/oven, refrigerator and garbage disposal are included. Outdoors, enjoy mountain views from the fenced backyard, which boasts mature landscaping, a deck, a storage shed and a concrete pad—ideal for barbecues or a play area. Recent upgrades include a new roof and exterior paint, plus RV parking with gates on both sides of the home. An attached two-car garage and paved driveway provide plenty of parking. With easy access to local amenities and regional military bases, this move-in-ready home combines convenience with comfort.
Source: PPMLS #7684507
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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.
Roam is committed to and abides by the Fair Housing Act and Equal Opportunity Act.