321 SE 14th St Pryor, OK 74361
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About this home
Charming ranch home with thoughtful touches throughout, located in a peaceful and quaint neighborhood. Refinished hardwood floors; New windows; remodeled kitchen; remodeled bathrooms; fresh paint (even in the garage!); New A/C; New water heater; and fresh classical details you rarely see in new homes built today. Beautiful brick fireplace with wood stove that is ready to go as it was just cleaned. In addition to the 3 bedrooms, there is a climate controlled hobby room/office just off the spacious garage. This room has more square footage than most bedrooms, is serviced by the HVAC system and has two windows. So many options are available for that additional space. The backyard is highlighted with a patio & new gazebo along with plenty of space for a garden, playset, and more! Located in USDA eligible location for Rural Development 100% mortgage. The highest reported square footage does include the additional room off the garage.
Source: MLSTECHNOLOGY #2533021
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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.