10224 Sarle Rd Freeland, MI 48623
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About this home
All the benefits of new construction, without the wait! Meticulously maintained 2020-built home with modern upgrades and thoughtful details throughout. Step inside this 4-bedroom residence and you’ll immediately notice the pride of ownership and care that has gone into every corner. The main level offers an open layout that’s bright, clean, and perfect for everyday living. The home is already prepped for an electric car charging station, giving buyers a head start on green, modern convenience. The partially finished basement provides additional flexible space, whether you envision a recreation area, home office, or fitness zone. All appliances are included, Including a tankless hot water heater making this home truly move-in ready. Outdoors, enjoy the private backyard complete with a gazebo—perfect for entertaining, dining, and relaxing. This property also offers a rare opportunity to assume the seller’s VA loan, which may provide buyers with a significantly lower interest rate than what’s currently available. Eligible buyers can potentially save thousands over the life of the loan by taking over the existing financing (subject to VA approval-Contact agent for more information). BATVAI Schedule Showing through showing time.
Source: REALCOMP #20251031572
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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.
Roam is committed to and abides by the Fair Housing Act and Equal Opportunity Act.