12099 Forest St Thornton, CO 80241
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About this home
Ask about our lender incentive to buy down your interest rate the first year! Welcome to 12099 Forest Street, a spacious and light-filled 4-bed, 3-bath corner lot nestled in an ideal Thornton neighborhood. Inside is a welcoming entry that opens into a large front living room with rich hardwood floors and oversized windows adding lots of natural light to the space. Just beyond is a separate dining room perfect for formal dinners or holiday gatherings next to the kitchen for easy flow. The kitchen features lots of cabinetry, a breakfast bar, and ample counter space for meal prep. It opens seamlessly into a spacious family room, allowing you to stay connected whether you're cooking, working, or relaxing. With its open concept, this area becomes the heart of the home ideal for hosting guests or simply enjoying a cozy night in. Upstairs, a charming interior balcony overlooks the main living area, adding architectural interest and enhancing the home’s open feel. The spacious primary suite offers vaulted ceilings, generous natural light, and a private ensuite bath, your own peaceful retreat at the end of the day. Three additional well-sized bedrooms provide flexibility for guest rooms, home offices, or hobbies, and are served by a centrally located full bath. The unfinished basement is full of potential ready for your vision to expand the living space with a media room, workout area, or custom storage. Outside, the large backyard is shaded by mature trees and features a generous concrete patio, perfect for outdoor dining, weekend BBQs, or quiet evenings under the stars. Additional features include direct access from the attached garage, main-level powder bath, and easy proximity to local parks, shopping, restaurants, and commuter routes. With solid bones and thoughtful layout, this home is a perfect blend of comfort, practicality, and opportunity—ready for your personal touch.
Source: RECO #1584166
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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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