11560 Kalispell St, Commerce City, CO 80022
3 beds · 2 baths · 2,010 sqft
Come visit this amazing ranch home in The Villages at Buffalo Run! This awesome single story ranch home features 3 bedrooms, 2 full bathrooms, an office, and a large open concept family room and kitchen and owned solar panels! Upon arriving at this home you'll be welcomed by the amazing western mountain view overlooking the golf course. Head inside and you'll find your office with double doors to the right before heading towards your 1st and second bedroom to the left as well as your first full bathroom with new walk in jetted tub! Head down the hallway and you'll be welcomed into your large kitchen featuring stainless steel appliance, huge pantry, and massive granite island overlooking your large family room featuring in ceiling surround sound. Make sure to check out your eat in kitchen space and access to your oversized concrete patio with new patio enclosure and a fully fenced yard. Head past the kitchen to find your laundry room before heading to the left and touring your large master bedroom with attached en suite featuring a large walk in shower. Make sure to check out your 2 car attached garage before heading down to the unfinished basement ready for you to make it your own. This home features a full owned solar system, no need to take over a solar lease and is extremely efficient to help reduce monthly electricity bills!
Source: RECO #7200694
Interest rate and monthly payment estimated based on public records.
Source: RECO #7200694
Source: Public records
Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step.
Whether you have an agent or you’re just starting your search, reach out to us and we’ll help set up a home tour.
Roam works with you, your agent, and the listing agent to prepare a mortgage assumption agreement and finalize all details.
Roam coordinates all parts of the transaction and keeps all parties up to date to provide a seamless 45-day close.
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.
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.
MLS ID: #7200694
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