12065 Ivanhoe Ct Brighton, CO 80602
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About this home
Welcome to your next home in the heart of Wright Farms! This three-bedroom, three-bathroom residence combines charm and function with a layout designed for comfortable living and entertaining. Step inside to find real hardwood floors and a spacious coat closet at the entryway. The main level opens up into a bright, airy living area that flows seamlessly into the kitchen, complete with granite countertops, double ovens, an ample pantry, and plenty of cabinet space. Upstairs, the primary suite offers two closets—a generous walk-in and an additional wall closet—plus a private ensuite bath. Two more bedrooms and a full bathroom complete the upper level. The finished basement extends your living space with a versatile great room, flex space, laundry area, and a convenient three-quarter bath. Two full egress windows brighten the space with natural sunlight. Enjoy Colorado seasons in the backyard retreat, complete with a deck, flower beds, mature landscaping, and a shed. The attached two-car garage features built-in storage, maximizing functionality. Perfectly located, this home is walking distance to Wright Farms Library, the new Billy’s Birch, Starbucks, and Trail Winds Rec Center, with quick access to public transportation. This Property also has an assumable FHA loan locked in at just 4.5%!! Opportunities like this don’t come along often: a single-family home in Wright Farms for under $500,000! Don’t wait—this one won’t last long.
Source: RECO #3656023
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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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