30w359 Wiant Rd West Chicago, IL 60185
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About this home
Beautiful split level with four finished levels of living space checks all the boxes. Main level offers a living room, formal dining room, and spacious eat-in kitchen with oak cabinetry including access to an amazing three seasons room. The screened-in three seasons room is complete with a professional hood so grilling can be done inside the room, perfect for entertaining or relaxing most of the year. Three good-sized bedrooms including a primary suite with walk-in closet and primary bath with shower, spacious hall bath with linen closet and hardwood flooring in all the bedrooms detail the second level. The enormous lower level family room features a wood-burning fireplace and has the convenience of a half bathroom plus access to the attached garage and backyard. Go down a few steps to the finished subbasement showcasing an additional living space perfect for a game room and a separate storage and laundry room. Ready for summer? The backyard oasis has three separate patio areas, a large shed, access to the Illinois Prairie path, a newer fence in 2020, a stamped concrete firepit area, and more. Other features include a triple osmosis system for the kitchen sink, a 3-way filtration system, an over-sized sump pump pit with two pumps and a whole house generator. Across the street tee off at St. Andrews Golf and Country Club, close to major roadways, shopping, and entertainment. Tour this sensational property today!
Source: MRED #12496589
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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.