12579 Misty Ridge Ct Fishers, IN 46037
Your savings
About this home
Welcome home to Thorpe Creek! 4 bedroom/3.5 bath home nestled at the beginning of a cul-de-sac w/a private lushly landscaped backyard! Offering over 4,500 sq ft, including a finished bsmt! Curb appeal that's on-point w/its inviting craftsmanship including a porch and stone all extending all around the home. Open the door to NEW engineered hardwood flrs & freshly painted! Truly move in ready! Charming foyer w/rod-iron baluster staircase a focal point of the home. Office tucked off the foyer w/double doors for privacy, hardwood flrs extending into this space. Dining rm w/crown molding, wainscoting, creating an elegant space, 3 transom windows for natural light! Hardwoods running seamlessly throughout the main floor making it a spacious open floorplan! Greatroom w/a cozy gas fireplace, flanked by custom built-ins and shelving. Wall of windows overlooking the expansive backyard & outdoor living space! Hearthroom & Kitchen w/an abundance of space, perfect for entertaining! Kitchen features trending 42" solid cabinetry, granite counters, backsplash, SS appliances (all included), DBL ovens, Walk-In pantry & an island that's sure to be the host of many gatherings! Step off the kitchen into the hearthroom w/vaulted ceilings, drenched in natural light with 3 walls of windows! Perfect area to cozy up w/your favorite book! Family friendly foyer features a great drop zone for backpacks, etc... Upstairs: Convenient laundry room w/cabinets and space for storage! 4 bedrooms, including 2 full baths. Owner's suite w/ensuite bath, luxury tile shower, soaking tub and comfort height dual sink vanity, generous sized WIC! Finished basement ftrs NEW carpet, a guest room, 3rd full bath, bar, family room, exercise room, and additional unfinished space for storage! This home is not lacking any storage! Step outside to your patio for grilling and chilling this Fall! Thorpe Creek offers amazing amenities including a meeting house for gatherings, pool, park, playground and walking trails!
Source: MIBOR #22067682
Loan details
Neighborhood
45-day close guarantee
Close stress-free in 45 days, handled start to finish by Roam.
Roam Price Match
If you find a better price on any home, we’ll match it.
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.