12318 Whispering Breeze Dr Fishers, IN 46037
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About this home
This stunning model home blends timeless elegance with luxurious upgrades! From the moment you step inside, you'll be captivated by the gleaming hardwood floors, impressive doorways, pristine moldings, and a dual staircase that makes a grand statement. Freshly painted inside and out and featuring all-new carpeting, this home feels brand new. The bright and airy gourmet kitchen boasts crisp two-toned cabinetry, a butler's pantry, and an open flow into the family room with a fireplace and built-in shelving. The finished basement-with an optional fifth bedroom (currently unfinished) and an existing full bathroom-also includes a wet bar and space for recreation and hobbies. Upstairs, retreat to the primary suite with its spacious step-up sitting room and spa-like bathroom featuring two separate walk-in closets with custom storage systems. Additional highlights include a designer lighting plan layout, plantation shutters in the breakfast room, a dedicated home office with glass doors, a mudroom with built-in storage, and a three-car finished garage. Enjoy outdoor living on the brand-new concrete patio, surrounded by mature trees and a fenced backyard. Both HVAC systems have received regular maintenance, and a new water heater was installed within the last two years. Located in desireable Thorpe Creek near the walking path, this corner-lot home combines luxury, comfort, and convenience in one perfect package. Welcome home!
Source: MIBOR #22069027
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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.