6 Kelso Dr Saint Charles, MO 63301
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About this home
Welcome to this beautifully updated ranch in desirable Stable Ridge Manor! Offering 4 bedrooms, 2.5 baths, and over 2,200 sq ft of finished living space, this home blends comfort, style, and function. The open main level features vaulted ceilings, a bright great room with a wood-burning fireplace, and luxury vinyl plank flooring throughout. The windows throughout the home have been replaced and fitted with stylish plantation shutters. The kitchen shines with stainless steel appliances, solid-surface counters, walk-in pantry, and a convenient breakfast/dining area with access to the deck. The large primary suite offers a walk-in closet and private bath with dual sinks, spa tub, and separate shower. Two additional bedrooms and a full hall bath complete the main floor. The finished lower level expands your living options with a spacious rec room, half bath, and guest bedroom with egress—ideal for guests, a home office, or hobby space. Outside, enjoy a fenced backyard with both patio and deck—perfect for entertaining or relaxing. Located in the sought-after Orchard Farm School District with quick access to Hwy 370, Main Street, parks, and the riverfront. Move-in ready, meticulously maintained, and full of charm—this one checks all the boxes!
Source: MARIS #25073329
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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.