3675 W Amherst Ave, Denver, CO 80236
4 beds · 2 baths · 2,222 sqft
This all brick ranch is beautifully updated with 4-bedrooms, 2-baths with over 2,100 sq. ft. of spacious living in a quiet neighborhood. This home is move-in ready with new carpet throughout along with a fresh coat of paint from top to bottom (even the outside of the home was painted) along with a brand new furnace and new roof (all completed in 2025)! The basement has a large family room along with 2 bedrooms and a 3/4 bath. Enjoy a private backyard along with a covered patio. This neighborhood has no HOA restrictions and with the amount of concrete parking there is on the side of the home and into the backyard, there is plenty of room to store a RV or any other recreational vehicle one may have! Located in the vibrant Harvey Park neighborhood, you'll enjoy a perfect blend of suburban tranquility and urban convenience. Known for its unique mid-century architecture, Harvey Park features beautiful homes, green spaces, and a thriving local community. With Harvey Park just steps away, you can enjoy the park’s recreational facilities, lake, and sports fields, or explore nearby trails like Bear Creek and Sanderson Gulch. Don't miss your chance to own this charming home in one of Denver’s most sought-after neighborhoods! Listing Broker and Seller make no representation or warranties as to the accuracy of any information provided in the MLS listing including, but not limited to square footage, bedrooms, bathrooms, lot size, HOA information, parking, taxes or any other data that is provided for informational purposes only. Buyer to verify all information and Seller to retain all mineral rights to the property.
Source: RECO #2511121
Source: RECO #2511121
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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