958 Campbell St Joliet, IL 60435
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About this home
BEAUTIFUL Charming 2-Story home in the sought after Cathedral District of Joliet. Walk up the brand new stairs to an open porch with a porch swing. As you step into the living room, you find beautiful hardwood floors throughout, and a gorgeous gas fireplace set between stunning built-in wooden bookcases portraying both new and old charm and 8' ceilings. The stunning staircase gives you the feel of warmth, topped off by crown molding and stained-glass windows with natural rays of light pouring to give you that feeling of being "home." On to a large dining room and more stained-glass windows, then turn your head and find a new fully remodeled kitchen with granite countertops, and stunning new cabinets demonstrating a beautiful flow of rooms on the main floor. A brand-new sliding glass door off the kitchen takes you right out to a screened in porch overlooking the yard with a brand new lower deck, fence & gate, perfect for outdoor entertaining. Let's go back to the second floor to find a newly remodeled full-size bathroom done in style. On the 2nd floor, you find the Master BR with a big walk-in closet. A door steps out to a full-size 2nd floor balcony, overlooking the yard for those moonlit evenings. You will find 2 more good size BRs on the second floor along with great closet space. Let's go down to the basement now, where you will find another bedroom, with a big closet and a window with great natural light. This bedroom could also be used as an office or rec room. Around the corner is a second newly remodeled FULL bath & shower & laundry room. The garage is huge with 10' high ceilings. It may look like a 2-car garage at 1st glance; however, it is big enough to fit 3 cars, one as a tandem. Electric car? No problem! Outside there is an installed electric vehicle charger/240-volt outlet, level 2 charger! This home is a MUST-SEE! Come take a look and make that offer!
Source: MRED #12436711
Neighborhood
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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.