317 N 64th Ave Greeley, CO 80634
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About this home
Sellers are giving a $5,000 concession to buy the mortgage rate down. Solar panels are paid in full, so home ownership will include them, and the new buyers will get to reap the tremendous energy cost-saving benefits without having to qualify for or pay for the lease. Welcome to a thoughtfully designed Newcastle Ranch-style home built in 2022 by D.R. Horton. This 3-bedroom, 2-bathroom Ranch-style home offers 1,635 square feet of modern comfort and energy-conscious features in the heart of Greeley’s desirable Northridge Estates community, on a 6,478 sq ft lot on a private cul-de-sac. Offers an expansive Great Room and Bonus Flex Space, Gourmet Kitchen with espresso cabinetry, granite countertops, stainless steel appliances, and a large island with a convenient Breakfast Bar. It has a Smart Home Technology package, including: a smart thermostat and video doorbell. Energy-efficient construction with Double-pane windows, Tankless water heater for on-demand hot water and reduced energy usage, and high-efficiency HVAC system for year-round comfort, Energy-efficient appliances and LED lighting throughout with an over-sized 2.5-car garage. Indestructible Luxury Vinyl Flooring throughout Entryway, Great Room, and Kitchen and Tiled flooring in both Baths. Professionally landscaped front and backyard with custom patio and complete fencing for your four-legged friends. No HOA fees! Located near beautiful parks, trails, and top local schools, easy access to Hwy 34 and nearby shopping, dining, and entertainment. This home is practically new with the landscape and window coverings already in!!! This home is designed for comfort, convenience, and sustainable living—perfect for those who value smart design and lower utility costs.
Source: RECO #7203615
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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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