3520 Wismer Rd Saint Ann, MO 63074
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About this home
Make your appointment today to see this very well kept 3 bedroom, 1 bath ranch in the sought after area of Brekenridge Hills. The home offers a large living room for watching TV or just for relaxing. The home boasts a updated Kitchen with white custom cabinets and attractive counter tops and stainless appliances. The large open dining room is a huge plus for family gatherings or just enjoying meals. The bathroom is nicely updated and looks awesome. The bedrooms are all nice sized on the main level with walk in closets. The basements offers a laundry area and is clean and dry to allow a rec area or addtional family area with a walkout to the the yard. Check out the large level lot that that is completely fenced and ready for the kids to have a great place to play. Don't forget about the one car garage to keep your vehicle or toys out of the elements. No need to worry that you have to replace the expensive things in the home because evrtything is already updated. The roof is only 3 years old, the A/C and Furnace are new, the hot water heater is new and the Electrical panel was recently replaced as well. Windows are newer so sit back and relax nothing to spend money on in this super nice home. Call today to see this charming home before it's gone.
Source: MARIS #25064105
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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.