8 Kircher Pl Belleville, IL 62220
Your savings
About this home
Enjoy the peace and privacy of this tucked-away setting while being just minutes from the excitement of Belleville’s vibrant downtown shops, restaurants, & community activities. This charming bungalow blends old-world character w thoughtful updates, making it move-in ready & full of possibilities. A welcoming covered front porch invites you inside, where the foyer greets you with beautiful hardwood floors that continue throughout much of the main level. The spacious living room features a cozy gas fireplace—perfect for gatherings or quiet evenings. The kitchen may be compact, but it is efficient & well-planned, w everything you need to prepare meals w ease. A charming breakfast area provides a casual dining option, while the formal dining room is perfect for hosting. The main level also includes two lg bedrooms & an updated full bathroom. A true bonus awaits upstairs! The remodeled upper level adds valuable living space, featuring a non-conforming 3rd bedroom, a convenient half bath, & a flexible area that works perfectly as a playroom, office, or tailor to your lifestyle needs. The lower level offers a blank slate for future possibilities. The laundry area is tucked away, with the washer and dryer included. Recent Updates for Peace of Mind HVAC (2021) Circuit Breakers (2022) Water Heater (2025)This home is a true find—full of charm, comfort, & thoughtful upgrades. Don’t miss your chance to move in before the holidays and make it yours! Buyer to verify all information.
Source: MARIS #25062422
Loan details
Neighborhood
45-day close guarantee
Close stress-free in 45 days, handled start to finish by Roam.
Roam Price Match
If you find a better price on any home, we’ll match it.
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.