3931 Bertrand Ln Zion, IL 60099
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About this home
Welcome home! Now is your chance to own a home in the highly desirable Tewes Farm Estates! The second owners have lovingly maintained this 3 bedroom, 2 bath, 2 fireplaces quad-level home. Hardwood floors throughout the main level (slate kitchen) and a comfortable living room with gas fireplace along with vaulted ceilings provide a warm welcome for your guests upon entry. Upstairs features the master bedroom and 2 additional bedrooms plus a nicely updated full bath. On lower level you will find the 2nd fully updated bath along with the cozy family room and another gas fireplace - perfect for family movie nights! Go down one more level to the partially finished basement with plenty of space for a workout room, craft room or home office - you decide! And no need to worry about the big stuff - the list of updates is long! New roof installed 2023 (warranty,) new Anderson windows throughout 2025 (warranty,) new kitchen cabinets, new water heater 2023 (warranty,) A/C and furnace 2023 (warranty,) laminate flooring on upper and lower level, and paint throughout within the last 2 months. The backyard is a wonder for entertaining with an oversized deck set up and shelter area for enjoying in the different seasons and ready for football. The backyard also has a stamped concrete patio and stamped concrete sidewalks around the house that lead to the stamped concrete driveway in front. XL green space adjacent to the property. Quick close possible and ready for you to call this lovely place home. Seller will provide a Choice Home Warranty policy (13 month coverage) and has purchased Spring Green Lawn care into summer of 2026.
Source: MRED #12469482
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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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