31706 Hardesty Rd Shawnee, OK 74801
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About this home
Welcome to a rare blend of classic farmhouse charm and modern updates, nestled on 10 peaceful acres in the Bethel Public School District. As you enter through the front door, you're greeted by a fully remodeled entryway and living room, completed in 2021. The open-concept design immediately sets a warm and welcoming tone, perfect for both everyday living and entertaining. To the left, the spacious living area features updated flooring and a cozy fireplace, while straight ahead, the kitchen—remodeled in 2018—offers modern cabinetry, generous counter space, and updated appliances. Just beyond the kitchen, a large dining and Florida room stretches across the back of the home, surrounded by windows that offer sweeping views of the property. This sunlit space is ideal for family meals, morning coffee, or simply enjoying the scenery. Down the hall are three comfortable bedrooms and two and a half bathrooms, including a well-appointed primary suite. The home is equipped with electric and propane utilities, and includes a storm shelter that could use a little attention. Step outside to find a 3-car detached garage, new roofing, brickwork, and concrete porches added in 2022. The land is thoughtfully cross-fenced, separating a spacious horse pasture from a 3,000 sq ft, 7-stall horse barn and an additional 300 sq ft stud barn or livestock lean-to. A large chicken run and coop add to the property's agricultural appeal. The portable building is not included in the sale. Surrounded by open acreage, this property offers breathtaking sunrises, peaceful starlit nights, and the soothing sounds of wildlife from the nearby pond. Whether you're looking for a working farmstead or a serene country retreat, this home delivers a perfect balance of rustic character and modern comfort. **Seller is offering carpet allowance to buyer!**
Source: MLSOK #1185626
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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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