12480 Heintzelman Ave NE Cedar Springs, MI 49319
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About this home
What a beautiful setting to greet you each time you arrive home. Every season brings picture perfect moments. Enjoy the large yard surrounded by woods for all sorts of activities and tranquility. This 4BR, 3 full Bath ranch style home provides spacious living with its vaulted ceilings and open floor plan. The Living room has a bay window overlooking that gorgeous front yard as well as a gas fireplace. This flows nicely to the Dining area with sliders to the deck that follows along the length of the home. The Kitchen connects to an ideal mud area with custom built bench including cubby spots for shoes, then into a large walk-in pantry. The 3 car garage has an extended area behind the 3rd stall to its workshop area. The primary suite is generously sized to allow for office space if desired. It includes a bay window, walk-in closet, and large bathroom with whirlpool tub and walk-in shower. A second bedroom and full bath rounds out the main floor. The walk-out level features an equallyspacious family/recreation room. Want to have a movie night? You can, because of the way this room is situated, it can easily be converted to serve that purpose. There are two more bedrooms, one with a walk-in closet; a full bath; two sets of ample storage rooms; and a large laundry room with built in ironing board. Out front there is a circle driveway and lots of parking. Nearby you can visit Deer Tracks Junction; Lone Tree Stables; Grattan Raceway; Campgrounds; Parks; Golf courses; and so many other places. What a great opportunity that you won't want to miss out on.
Source: REALCOMP #66025055905
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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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