2300 Chemin Ave Saint Charles, MO 63301
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About this home
Welcome to your dream home in the Villages of Provence! Step into this stunning Sierra model home built by Consort Homes, nestled in this highly sought after community. You'll be captivated by the elegant design, warm ambiance, soaring 11-foot ceilings and open floor plan as you enter this magnificent home~ Interior Highlights: Rich hand-scraped hardwood floors throughout. Gourmet kitchen with expansive island for guests to sip, chat and stay connected, 42" granite topped custom cabinetry, creative backsplash & Samsung smart appliances! Open floor plan with formal dining room adjacent to inviting Great Room, warmed by floor to ceiling stone fireplace & full wall of windows. New crystal-accented lighting enhances every room with timeless ambiance. Primary bedroom suite perfection offers a spacious yet tranquil retreat & luxurious ensuite bath ~ dual basin vanity, new custom tile shower and separate soaking tub. Expansive walk-in closet with custom finishes. Generously sized bedrooms offering abundant natural light & second fully remodeled bath. Lower level offers endless possibilities with partial framing and insulation already started! Sliding glass door and three framed windows overlook the spectacular backyard!! Plumbed for an additional bath and an extensive stockpile of framing, insulation, electrical and finishing materials. Energy efficient 14 Seer+ HVAC system. Outdoor Oasis: You will fall in love with the expansive outdoor deck & cozy covered patio with stone firepit area for year-round entertainment! Fully fenced backyard with newly installed Hydrawise irrigation system & professionally landscaped front & back, reseeded & aerated lawn! Charming covered front porch & new exterior sconce lighting graces the front stone elevation Govee Smart lighting system enhances every holiday on front of home! Location, Location, Location ~ just minutes to St. Charles Historic Main Street offering shopping, dining, festivals on the riverfront, the Lewis & Clark Boathouse and leisurely rides on the Katy Trail! Easy trek to highways and convenient access to services.
Source: MARIS #25070047
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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.