254 Candletree Cir Monument, CO 80132
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About this home
Monument Marvel: Ranch-Style Living with Park Views & Basement Bliss! Welcome to your next chapter in Monument, Colorado...where the air is fresh, the views are serene, and your backyard literally backs to a park (which means fewer neighbors and more squirrels). This charming ranch-style home is deceptively spacious, with a fully finished walkout basement that could double as a guest suite, home theater, gym, or your in-laws’ semi-permanent residence (depending on how much you like them). On the main level, you'll find sun-soaked living spaces, a kitchen that’s seen more Pinterest recipes than it cares to admit, and bedrooms designed for maximum relaxation—and there's even a dedidicated office, with French doors, should you need a home office, homeschool space, gaming area, library or just a place to keep all of your gigantic Lego sets that your spouse doesn't want displayed in your living room. Step out onto the deck and soak in unobstructed park view, perfect for sipping morning coffee, evening wine, or silently judging joggers. Downstairs? It’s not just a basement; it’s a lifestyle. Complete with its own entrance, it’s ideal for multi-generational living, Airbnb dreams, or hiding from your responsibilities. Tucked in a quiet Monument neighborhood with trails, trees, and tranquility, this home offers the peaceful retreat you didn’t know you needed (until now). Highlights: 4 beds, several additional non-conforming bedroom opportunities,3.5 baths & infinite charm Fully finished walkout basement = bonus everything Backyard opens directly to parkland with nature included Main-level living with 100% convenience Close to schools, shopping, trails, and the best local coffee This one won't last long—homes like this are rarer than a park squirrel that doesn’t run away. Schedule your showing today and bring your imagination (and maybe a picnic blanket).
Source: PPMLS #7555698
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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.