204 Aspen Pt Glen Carbon, IL 62034
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About this home
PRICE IMPROVED and MAJOR UPDATES are are done with this home! NEW Roof - NEW A/C - NEW Water heater! HERE you can ENJOY the home, not the to-do list. Discover the perfect blend of luxury and comfort in this open floor plan ranch, ideally situated in the EDWARDSVILLE SCHOOL DISTRICT. Step inside to be greeted by vaulted ceilings and updated hardwood floors that guide you through the well appointed living spaces. The kitchen is features a large island, granite countertops, tile flooring, and stainless steel appliances. Adjacent to the kitchen, a spacious deck awaits, providing the perfect setting with views of the LARGE BACKYARD perfect for entertaining! Unwind in the primary bedroom, with cathedral ceilings and an oversized walk-in closet for all your storage needs. The primary bathroom offers a large walk-in tiled shower and a separate whirlpool tub with a tiled surround, complemented by a double vanity with granite countertops. The finished walkout BASEMENT offers an entire SECOND LEVEL OF LIVING and entertaining space. It features a large family room for movie nights or game days, a full bathroom with a spacious shower, and a private fourth bedroom with a walk-in closet. There is a non-conforming additional room complete with its own oversized walk-in closet, and this room can be customized to your lifestyle needs. The three-car garage provides ample space for vehicles, a workshop, or additional storage. This home truly offers everything you need and more. *Motivated seller, so call today to schedule your private showing!*
Source: MARIS #25068103
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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.