6010 Winterhaven Dr Joliet, IL 60431
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About this home
Your new home awaits you - come check out this 4 bedroom 2.1 bath home that is looking for a new owner. House is only 7 years old. Great neighborhood great schools. All appliances are staying, quartz counter top and a new deep sink with garbage disposal - check out the walk in pantry for extra storage. The kitchen over looks the family room, great for keeping an eye on little ones or great for entertaining. There is also a 1/2 bath on the main level - t.v. and t.v. mount is staying in the family room (it works but it is "as is") check out the darkening shades on the main level great for privacy. From the kitchen you can step out onto your beautiful deck (3 years old) and have a cup of coffee under the gazebo - your fenced in yard backs up to a farm which is very quite and peaceful. Upstairs you have 4 good size bedrooms - along with your laundry room. Master bedroom has a huge walk in closet. the basement 35 x 17 is ready for you to finish or you can use it for storage. The crawl space is 16 x 12. Seller leaving about 1.5 years worth of filters for the furnace. Nothing to do but move in.
Source: MRED #12472846
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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.