4326 W 22nd St Greeley, CO 80634
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About this home
Welcome to this charming 3-bedroom, 2-bath ranch-style home in the desirable Virginia Hills neighborhood of West Greeley. Thoughtfully updated with modern touches and plenty of natural light, this home offers comfortable living with room to grow. Step inside to find brand-new wide white oak luxury vinyl plank flooring throughout the main living areas. The living room is bright and welcoming, highlighted by a cozy gas fireplace and a skylight that brings in extra sunshine. Just off the living room, a large bay window creates a perfect dining nook with views of the backyard. The kitchen has been refreshed with painted cabinetry, quartz counters, a stylish tile backsplash, and stainless steel appliances. A charming garden window sits above the sink, also overlooking the backyard-perfect for plants, herbs, or simply bringing the outdoors in. On the main level, you'll find two bedrooms and a full bath. The primary bedroom features a window for natural light, mirrored closet doors, and plenty of space to make it your own. The second bedroom-currently staged as an office-includes two mirrored closets, an accent wall, and a front-facing window. The shared full bathroom has been completely updated with a new vanity, toilet, tile, and tub/shower combo. Downstairs, the finished basement expands your living space with a large family room, a third bedroom, under-stair storage, and a second full bath featuring modern updates. The laundry room (with included Samsung washer and dryer) is also downstairs and provides extra space for storage. A mechanical room with sprinkler system and a work table adds function and flexibility. The backyard is a blank canvas with a good-sized rectangular lot-ready for whatever vision you bring. There's also a covered patio, perfect for relaxing or entertaining. This home combines modern updates, a functional layout, and a great West Greeley location-move-in ready and waiting for you! Close proximity to Aims CC, schools, parks, shopping, restaurants.
Source: RECO #IR1044447
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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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