108 Linder Ln Winfield, MO 63389
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About this home
The Price has been reduced as the seller will entertain any reasonable offers. THIS HOME OFFERS NOT 3 BUT 4 BEDROOMS THAT ALLOWS FOR EVERYONE TO HAVE THEIR OWN PRIVATE SPACE. This home has been well maintained and updated. Walking into the home you will notice the beautiful wood flooring throughout the great room. The large great room offers plenty of living space for entertaining or a place where all of the kids can gather for movie night. The kitchen has plenty of county space for the cook in the family with many custom cabinets and a pantry. Off the breakfast area the sliding glass door takes you out to a huge composite deck for your evening of relaxing or those weekend BBQ's. Under the deck you will find a nice size covered patio. The home has 3 nice size bedrooms on the main level and a 4th bedroom in the lower level that could be used as a great home office. The lower level is a walk out that leads you to the fully fenced in back yard. The oversize garage offers plenty of space for both cars, lawn mower, bikes and any other item you need to store. This home also has added parking spaces as the driveway has been added onto to accommodate more cars to park on the side and not directly behind the garage doors. So if you have an expanded family needing more living space, maybe a home office, a fully fenced in back yard, a large deck just off the breakfast area, a primary bedroom suite with a full bath and walk in closet, a full walkout basement with a roughed in bath and plenty of space to add more living space, then this home IS FOR YOU. DON'T WAIT
Source: MARIS #25061313
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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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