416 Hubbard Cir Plano, IL 60545
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About this home
Wow! 5 Bedrooms, 3 Full Baths, 2 Family Rooms, a 3-Car Garage. Related living/in-law potential with first-floor BR, full bath. Fenced yard with new custom "Coastal" style stamped concrete patio & walkway from front to back '23, ornamental grasses, rear open space with tranquil Pond View! Fenced yard. Seriously spacious, this 3,356 sq. ft home offers sought-after first-floor bedroom with an adjoining full bath featuring a step-in tile shower & floor. Spacious 2nd-floor family room/loft perfect for game/TV room. Interior highlights: LVP plank laminate flooring in LR, DR & kitchen w/wide 5" floor molding '21; most interior lighting new '25; four new recessed ceiling lights, LED light for artwork in FR '24; most trim & new six-panel wood doors painted white '25; Exterior trim, garage doors, porch painted '24; Newer electric heater in 3-car garage w/220 volt; gas HWH '21; Updated kitchen w/42" wall-hung cabinets, granite counters, stainless steel appliances, glass & tile backsplash, butler's pantry, center island, under-cabinet lighting, new disposal '24, separate breakfast area w/access to patio. 9-ft. ceilings throughout the 1st floor; wood-burning fireplace with a gas starter in the FR. Convenient 2nd-floor laundry room w/upper cabinets, new GE Profile front-load washer/dryer w/stands '24; Primary bedroom on the 2nd floor with ceiling fan, private bath, double vanity, corner steeping tub, separate shower, & new Moen brushed nickel faucets '25 at vanity. Convenient sitting room off MBR perfect for a home office, workout area, or nursery. You will love this home's move-in-ready condition, fresh paint, new lovely window coverings/decorator rods, generously-sized bedrooms, and ample closet space. Plenty of room to expand in the deep-pour basement. Covered entry porch, 4 new front coach lights, one new coach in rear '25; lovely professional landscaping w/birm, gardens, perennials with "Coastal design"; New architectural shingle roof '23; newer 6x5 Suncast garden shed included; 3 buried downspouts, Serene views! Clubhouse community with pool, tennis & sand volleyball courts, playgrounds, baseball diamonds, open spaces & ponds. Low HOA fee, only $42/month! FHA assumable mortgage at 2.99 with apx 25 years left on apx $200K. Don't miss this opportunity!
Source: MRED #12439898
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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.