32653 Stagecoach Rd Windsor, CO 80550
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About this home
***HIGHLY MOTIVATED SELLERS *** ***3.0% VA LOAN IS ASSUMABLE BY ANOTHER VA BUYER*** Welcome to this beautifully updated home on nearly 3 acres, just 5 minutes from downtown Windsor. Offering over 4,000 square feet of living space, this spacious home features 5 bedrooms and 4 bathrooms, including a fully finished walkout basement with two bedrooms, a bathroom, living room, full kitchen, and generous storage - perfect for multi-generational living, in-law quarters, an in-house ADU, attached carriage house, mother-in-law suite, guest quarters or added rental income to offset your mortgage. Need a place to secretly store some valuables, don't miss the hidden storage room behind the bookcase in the primary basement bedroom! Such a cool feature! Recent updates include new interior paint, new carpet, and new LVP flooring throughout the main and upper levels, along with fresh exterior paint. Enjoy stunning mountain views to the west from the back deck and backyard. Additional upgrades include newer Renewal by Andersen windows throughout and two new hot water heaters for modern efficiency. Car enthusiasts and hobbyists will appreciate the heated, oversized 2-car attached garage (963 sq ft), while the impressive 36' x 40' climate-controlled shop is a standout feature that could house 6 more cars. The shop offers two mini-split units for heating and cooling, 200-amp electrical service, a 30-amp RV hookup, 10' x 10' and 13' x 12' doors, and 5-inch thick fiberglass-reinforced concrete - strong enough to support even a semi-truck. There's also ample room for RV storage and all your toys. This is a rare opportunity to enjoy modern updates, versatile spaces, incredible views, and unbeatable proximity to Windsor - all on a peaceful, spacious property. Book your showing today!
Source: RECO #IR1042421
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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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