11397 Kendall St, Westminster, CO 80020
5 beds · 3 baths · 2,578 sqft
Nestled in a prime Westminster location, 11397 Kendall St offers unmatched accessibility and comfort, ideally positioned just minutes from Highway 36 for easy commutes to both Boulder and Denver. Near by is the vibrant Westminster Promenade, complete with dining, entertainment options like bowling and cinemas, and the Westminster Recreation Center. Golf enthusiasts will appreciate proximity to quick access to 3 golf courses near, while families will benefit from nearby schools and a convenient bus stop just up the road. Step inside to a welcoming hallway that directs you to a spacious living area featuring a stunning gas fireplace and mantel. This flows seamlessly into a dining room and an open kitchen adorned with ample, updated cabinets and stainless steel appliances, highlighted by a beautiful bay window that bathes the space in natural light. An additional living area extends from the dining room, offering flexible space for relaxation, a reading nook, or a play area, all illuminated by abundant sunlight. The main level includes three bedrooms with a full bathroom in the hallway and a 3/4 primary bathroom in the primary suite. The home is fresh with newer paint and updates throughout, creating a bright and inviting atmosphere. Descending to the basement reveals a BIG family room perfect for hosting gatherings, alongside two more bedrooms, a versatile studio/3rd non-conforming room previously utilized as a paint studio with concrete flooring, and a convenient 3/4 bathroom. Outside, the backyard features a canopy, a black stone grill, and a gas grill—all set for summer barbecues. The yard is enriched with an assortment of fruit trees, including elderberry, apple, peach, plum, and sweet red cherry, creating a delightful garden oasis. House is a stone’s throw from a sprawling park, offering outdoor activities right at your doorstep. This property presents a perfect blend of comfort, convenience, and quality in a sought-after Westminster locale.
Source: RECO #4047120
Why Roam
Lower rates and lower down payments
The only homebuying option for you to put 5% down and get a 5% rate.
Closing guarantee
We can close in 45 days or we’ll pay the seller’s mortgage until we close.
Offer acceptance
95% of offers accepted when made with Roam. 5% accepted without.
Have questions? Email support@withroam.com
Source: Public records
Source: RECO #4047120
To qualify, you must meet the current FHA or VA 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%. 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.
FHA (Federal Housing Administration) loans
FHA loans require the buyer to assume the mortgage as a primary residence.
VA (Veteran's Affairs) loans
You don't have to be a veteran to assume a VA loan. However, not all veterans are willing to let a non veteran assume their mortgage. Roam confirms the seller's willingness prior to you making an offer.
Investors
You may be able to assume a VA mortgage as an investor without it being your primary residence.
What is Roam?
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.
What is an assumable mortgage?
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.
Why is an assumable mortgage valuable?
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.
How can you find assumable mortgage listings?
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 “Get Notified” 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.
How do I qualify for an assumable mortgage?
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.
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