321 Greenwood Dr Loveland, CO 80537
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About this home
Nestled in a serene setting just 25 minutes from downtown Loveland, this unique property offers privacy, mountain views, and a lifestyle designed for both comfort and versatility. Zoned for horses and surrounded by mature trees and landscaping, the home is perfectly positioned to capture sweeping views of Pinewood Reservoir and the surrounding foothills. With multiple kitchens, entrances, and living areas, this residence is ideal for multi-generational living. Bedroom 3 is a detached in-law apartment, offering independence while staying close. Inside, you'll find multiple office spaces (one easily convertible into a 4th bedroom), abundant storage, and several fireplaces-both indoors and out-for cozy gatherings year-round. Outdoor living shines with expansive decks and patios on multiple levels, winding paths throughout the property, and a welcoming outdoor fireplace. Whether entertaining or simply soaking in the peaceful surroundings, every corner invites connection with nature. Car enthusiasts, hobbyists, or those in need of serious workspace will love the oversized garage complex featuring a recreation room, shop, craft room, loft, carport, and patio. Additional detached garage space provides even more storage and flexibility. Close to Carter Lake and Pinewood Reservoir recreation areas and trails, this property is the perfect balance of retreat and convenience-offering room to spread out, work, play, and live the Colorado lifestyle to its fullest.
Source: RECO #IR1044689
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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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