14800 County Road 448 Saint James, MO 65559
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About this home
I think you may have found your next home! Secluded and quiet, almost 4,000 square foot home on 10.78 acres. The main level boasts 2,350 square feet itself, with an open floorplan concept. There you'll find the living room with beautiful fireplace, large kitchen with breakfast bar, the formal dining room, three bedrooms, a guest bath and the primary bedroom suite. Both bathrooms on main level have double sinks and the primary suite has large walk in closet with custom shelves and a jetted tub w/ separate shower. Main level also has all hard surfaced floors. You'll love the custom maple cabinets in the large kitchen w/ all stainless steel appliances. Enjoy your morning coffee in the screened in sunroom, or enjoy watching the wildlife off of the wrap around porch that encircles three sides of the home. Large two car garage that walks into the oversized utility room/mud room. This is one you won't want to miss! Schedule your showing today and see if this could be your next home!
Source: MARIS #25034187
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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.