26196 Rea Ave Conifer, CO 80433
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About this home
SELLER OFFERING $5K TOWARDS CLOSING COSTS!! This stunning 4-bed, 3-bath home offers timeless charm and incredible functionality. Canadian Red Cedar siding, a tongue-and-groove vaulted ceiling, porthole windows, and cozy window seats set the tone in the great room—complete with a 6-speaker sound system and Quadrafire pellet stove. Artists will love the studio with direct access to serene flagstone patios. Downstairs features a warm and inviting family room with brick-surround pellet stove, a bedroom, laundry, workshop, and attached 2-car garage. Outside, enjoy a paved driveway leading to RV parking with power hook-ups, whole house generator. Upstairs, the spacious primary suite boasts a ductless A/C unit, custom walk-in closet, and en suite bath with granite and a solar tube. Two additional bedrooms feature ample light and generous closets. The living room with pellet stove flows into the dining area and kitchen, equipped with maple cabinets and bull-nosed Silestone™ countertops. Relax on the redwood deck with southern exposure and retractable awning, or unwind on the flagstone patio below. Peaceful setting, functional layout, and unique character throughout—BONUS $5,000 CREDIT TO BUYERS AT CLOSING FOR CLOSING COSTS! come BUY today!
Source: RECO #4079671
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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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