13275 Holly St Unit F Unit F Thornton, CO 80241
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About this home
Welcome home to this inviting 2-bedroom, 3-bath townhome in the sought-after Old Farms community. Step inside to discover vaulted ceilings and fresh, neutral paint that create a light and bright atmosphere throughout. The main floor features a spacious great room with laminate flooring, an open dining area, a well-appointed kitchen, and a convenient half bath. Upstairs, you’ll find two generously sized bedrooms designed for comfort. The primary suite easily accommodates a king-size bed with plenty of space for additional furniture, and it offers dual closets plus direct access to the full bath—also accessible from the hallway. A second ample sized bedroom completes the upper level. The finished basement adds flexible living space—perfect for a guest area, home office, or recreation room—plus a ¾ bath and a separate laundry room with plenty of extra storage. Notable updates include a new furnace with humidifier (July 2023), most windows replaced between 2018 to 2024, sliding glass door replaced and a new garage door smart opener installed in November 2023. Enjoy outdoor living on the private patio, ideal for grilling, container gardening, or dining al fresco. The property includes a detached 1-car garage with a workbench, an additional permitted parking space for residents, and ample on-street parking. This well-maintained townhome offers a private entrance overlooking open space, a low HOA, and a convenient location near shopping, dining, and commuter routes—making it the perfect blend of comfort, flexibility, and value.
Source: RECO #3100118
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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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