22500 Cow Cir Ramah, CO 80832
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About this home
Your Dream Ranch Awaits – 60+ Acres of Serenity, Space & Stunning Views Escape the hustle and discover a lifestyle of peace, privacy, and wide-open beauty at this exceptional 4-bedroom, 3-bathroom ranch-style retreat in Spring Creek Ranch near Ramah. Nestled on 60.01 fully fenced and cross-fenced acres, this property is tailor-made for horse lovers, cattle ranchers, or anyone yearning for room to roam and a connection to nature. Built in 2004 and offering 3,777 sq ft of beautifully designed living space, this home effortlessly blends rustic charm with modern comforts. Soaring vaulted ceilings, expansive picture windows, and a wrap-around deck invite the outside in — making every sunset an experience. Inside, you'll find: 4 spacious bedrooms & 3 full baths A large, finished loft for added living or work space A walk-out lower level, ideal as a private guest suite An oversized kitchen with a generous breakfast bar, perfect for entertaining Bright, open spaces with abundant natural light throughout Step outside to your fully equipped ranch infrastructure, including: A 40×60 cattle barn with electricity and water A 36×60 horse barn with six stalls, Dutch doors, automatic waterers, a tack room, wash-out bay, and hay storage A private well providing a reliable water source A rare spring-fed creek runs year-round along the west end, adding natural beauty and functional water access. The land features rolling terrain, open meadows, and breathtaking views of the Front Range and Bijou Basin — perfect for riding, exploring, or simply soaking in the quiet. Secluded yet accessible, this is more than just a home — it's a lifestyle. Whether you're starting your ranching journey or seeking a private Colorado getaway, this property delivers the space, setting, and soul of the American West.
Source: RECO #9669147
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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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