1910 Pebble Brook Dr O Fallon, MO 63366
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About this home
Welcome to 1910 Pebble Brook Drive in the sought-after Pebble Brook neighborhood of O’Fallon! This well-maintained 3-bedroom, 2.5-bath ranch offers 1,560 sq ft of living space, a mostly finished basement, and a fully fenced backyard that enjoys beautiful morning sun. The kitchen features quartz countertops, tile backsplash, and newer stainless steel appliances. Luxury Vinyl Floors run throughout the main level, and the remodeled bathroom adds a fresh, modern touch. Downstairs, you’ll find additional living space and another updated full bath for added functionality. Major system updates include a newer roof, HVAC, water heater, and sump pump. Outdoor highlights include refreshed landscaping, a concrete front walkway, and a fenced yard with gate access. Added features like an electric fireplace, Ring doorbell, and exterior security lighting enhance both comfort and convenience. Located in the highly rated Fort Zumwalt School District and close to parks, shopping, and commuter routes, this home blends smart updates with a great location.
Source: MARIS #25067543
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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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