1913 Plantation Ln Belleville, IL 62220
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About this home
Welcome to 1913 Plantation Lane, a modern 3-bedroom, 2-bath home in Belleville, Illinois—built in 2018 and just minutes from Scott Air Force Base. Perfect for Air Force families, retired military, and VA buyers relocating to SAFB, this move-in ready home combines comfort, space, and expansion potential in one of Belleville’s most convenient locations. Step inside to a bright, open floor plan designed for today’s lifestyle. The spacious living room flows seamlessly into a well-equipped kitchen with Beautiful appliances, ample cabinetry, and a family-friendly dining area. The primary suite offers a private retreat with its own bath and large closet, while two additional bedrooms provide flexible space for kids, guests, or a home office. The full unfinished basement is already started with framing and includes a rough-in for a future bathroom—offering excellent potential to expand living space and add long-term value. Outdoors, enjoy a large backyard patio, perfect for grilling, entertaining, and relaxing with family and friends after a long day. Built in 2018, this home features modern systems, an attached garage, and easy access to highways, schools, shopping, and St. Louis. With its ideal location for Scott AFB relocation, VA loan eligibility, and family-friendly design, 1913 Plantation Lane is ready to welcome its next owners. Buyers should independently verify all MLS data, which is derived from various sources and not warranted as accurate. Motivated seller, make an offer!
Source: MARIS #25066814
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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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