15371 Buck Creek Rd Elbert, CO 80106
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About this home
**Assumable Loan Available**Experience the best of Colorado country living on this peaceful 5-acre property with unobstructed 360° views. This beautifully remodeled 3,463 sq ft home combines modern comfort with refined rural style—designed for those who love space, function, and low-maintenance living. Inside, a chef-inspired kitchen features leathered granite countertops, brand new double ovens, and stainless-steel appliances. The primary suite includes a private sitting area and spa-quality 5-piece bath, while two additional bedrooms and a full bath complete the main level.Downstairs, the walkout lower level is built for entertaining with a large bar, family room, home gym, and guest suite with private bath.Step outside to relax or entertain on the expansive Trex deck with steel framing and a newer Jacuzzi® hot tub, overlooking wide-open prairie and views of Pikes Peak and the front range. The 1,500-sq-ft barn (with water, electricity, hay room/tack room, and a chicken coop) is perfect for horses, hobbies, livestock, or storage.Additional upgrades include newer windows, AC, brand new furnace with humidifier, Jacuzzi® hot tub, solar with battery backup (paid off at closing), newer roof, and an oversized garage with EV charger and built-in workbenches.With no HOA, ample parking, and space for multi-generational living, this home offers an exceptional blend of comfort, efficiency, and self-sufficiency—ready for you to move in and make it your own.
Source: PPMLS #1835003
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Close stress-free in 45 days, handled start to finish by Roam.
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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.