5212 Silverwood Dr Johnstown, CO 80534
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About this home
*RATE BUYDOWN OFFERED BY PREFERRED LENDER IF ELIGIBLE.* Pre-inspected for peace of mind and nestled along a greenbelt in the desirable Thompson River Ranch community, this thoughtfully designed home stands out from the crowd, offering a distinctive 5 bedroom, 4.5 bathroom floor plan with three en suites that is ideal for both everyday living and entertaining. Step inside to a charming open floor plan where home chefs will love the extensive cabinetry, granite countertops, separate pantry, island, and dual oven setup, perfect for holiday meals or multitasking. Embellished with tile flooring for easy maintenance, the upper level hosts 3 private en suites, flex space, and a laundry room. The spacious primary suite serves as a peaceful retreat with a coveted five-piece bathroom featuring with a double vanity, a separate soaking tub, and a spa-like walk-in shower, as well as a generous walk-in closet adorned in custom organizers. The home's most unique highlight is the dual en suite setup for both secondary bedrooms upstairs, which is a rare find that's perfect for guests, roommates, or those seeking extra privacy and convenience. A finished basement offers recreational space, two additional bedrooms, a full bathroom, and unfinished storage space, providing versatile options for work, rest, or play. Step outside to a backyard oasis where you will enjoy hosting large gatherings under the pergola on the expansive patio, gardening in the raised beds, or harvesting fruit from the property's mature apple, pear, and cherry trees. Just minutes from Loveland, Thompson River Ranch offers two swimming pools, three playgrounds, a disc golf course, paved walking and biking trails, a clubhouse with a fitness facility and gathering space, community events, and a PK-8 school. With immediate commutes to I-25 and Centerra, you'll love where you live in this unique home that is perfectly placed within a vibrant community.
Source: RECO #IR1043069
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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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