6358 E 121st Pl Brighton, CO 80602
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About this home
Welcome to Wright Farms, a quiet neighborhood that’s easy to love. Inside this home, you’re greeted by a vaulted entry that instantly opens up the space. The open layout has an easy flow while still giving each area its own purpose. With fresh flooring and updated paint, this home is ready for you to move right in. The kitchen features stainless steel appliances, plenty of counter space, and lots of cabinetry that make it both a cook’s comfort and a dining haven. A cozy fireplace in the main living space is ready to keep you company on chilly Colorado days while you unwind with your favorite show or game night. Upstairs, the main bedroom offers its own bath and walk-in closet. Two adjacent rooms with large windows share a full bath and plenty of natural light, creating a well-balanced upstairs layout. The basement adds flexibility with a bonus room and an extra bath, giving you space to make it your own. Out back, a large open patio is ready to be staged for your favorite outdoor setup, whether that’s dining under the stars or relaxing around a fire table. The yard has plenty of room to play, garden, or simply enjoy quiet afternoons outside. Close to parks, the local library, and neighborhood favorites for coffee and dining, this home makes it easy to settle in and feel right at home.
Source: RECO #8714328
Loan details
Neighborhood
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Close stress-free in 45 days, handled start to finish by Roam.
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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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