2463 Kettering Way Indianapolis, IN 46214
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About this home
Welcome to this beautifully maintained two-story home located in a quiet, well-established neighborhood on the desirable west side of Indianapolis.Although the previous sale fell through, it was no fault of the seller. The home was inspected and appraised above the current asking price as-is.This move-in-ready property blends classic comfort with thoughtful updates. Step inside to find updated flooring with a mix of hardwood-style surfaces, tile accents, and plush carpet that creates a warm and inviting feel. The open-concept layout allows for easy flow between the living, dining, and kitchen areas-perfect for both everyday living and entertaining.The kitchen features elegant black granite countertops, matching granite surfaces upstairs, and updated wood cabinetry. Additional upgrades include newer windows and a roof installed within the last several years, contributing to energy efficiency and long-term value. A modern wall-mounted water heater and central air conditioning ensure year-round comfort.The finished basement adds flexible living space, ideal for a media room, office, or guest suite. A spacious attached garage offers room for multiple vehicles and extra storage. The exterior is in excellent condition with a well-sized lot for outdoor enjoyment or future landscaping.Conveniently located near major highways, shops, restaurants, and parks, this property supports a variety of lifestyles-from house members living to working from home. With pride of ownership evident and modern upgrades throughout, this is a rare opportunity to own a well-cared-for home in a highly sought-after area.
Source: MIBOR #22063140
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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.