1782 Callander Trl Yorkville, IL 60560
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About this home
Beautiful home just a few years young, located in the rarely available Ashley Pointe subdivision of Yorkville with NO SSA. Situated on a large corner waterfront lot, this property features a gorgeous white vinyl fence for privacy and stunning backyard views. Outdoor living shines with expanded patio areas all around, a covered gazebo, a fire pit area, a custom playset over rubber mulch, a small shed, and a pad already laid out for an XL shed-ready for the next owners to complete their dream setup. Inside, the popular Colton model offers about 3500 sq feet of usable space, an upgraded home office and an upgraded gourmet kitchen on the main level, along with a spacious foyer, powder room, dining area, and large family room. A deck off the main level overlooks the serene pond-perfect for relaxing and unwinding. Upstairs you'll find four generous bedrooms, a loft, a laundry room, and two full bathrooms. The primary suite includes tray ceiling, a private bath and two oversized walk-in closets, one featuring custom built ins. The full walkout basement is partially finished and roughed in for a bathroom providing additional living space and direct access to your backyard paradise. Stop by and see this beautiful home in the perfect location!
Source: MRED #12506548
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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.