1132 Ridgewood Cir, Lake In The Hills, IL 60156
5 beds · 5 baths · 3,822 sqft sqft
This amazing home sits within the sought-after Boulder Ridge community and boasts one of the best spots in 'The Greens' neighborhood. With 4+1 bedrooms and 4.5 baths, it offers everything you could want in terms of space and modern amenities. Upon entry, you're greeted by a two-story foyer that seamlessly flows through the main level, meticulously designed to include an open concept, creating a cozy atmosphere that extends to both the sun-drenched sitting room and the cozy family room, which features a fireplace and an additional staircase to the upper level. The chef's kitchen is equipped with stainless steel appliances, white cabinetry, quartz countertops, a designated eat-in area, a center island with seating, and a closet pantry. The main level is completed with a welcoming living room, a large dining room, a mudroom, a powder room, and true hardwood floors throughout, except for the travertine flooring in the beautiful living room/sitting room. Access to the expansive deck from the sunroom and kitchen creates an entertainer's dream. The master suite is a standout, featuring its own personal sitting room with a fireplace, creating an idyllic retreat. It also includes dual walk-in closets, a spa bath with a whirlpool tub, a separate shower, a wall of dual vanities, and a private commode. The remaining bedrooms include one with a private en suite, while the other two bedrooms share a Jack and Jill bathroom with dual vanities and a private commode. A finished lookout basement with ample recreational space, additional rooms, an exercise/bedroom, and an office add to the allure of this well-appointed property. Every detail and the custom floor plan have been thoughtfully designed to offer unparalleled comfort and style. Living in this gated community grants access to the newly improved (2023) Clubhouse, Pool, Tennis and Pickleball courts, and Golf Course, enhancing the lifestyle experience.***Not required*** Plus, it's conveniently located near Randall Road for shopping, dining, and entertainment. Crystal Lake (D47 & D155) Schools! New Carpeting- Entire Second Floor and Dual Staircases (2024), New Paint (2024), Professional Landscaping (2024), GE Profile Washer/Dryer (2023) Warranty, Water Softener (2021) Warranty, Water Heater (2023) Warranty, First Floor/Lower Level Furnace (2019) Transfer Warranty, Second Floor Furnace (2021), Transfer Warranty, True Hardwood Floors throughout main level and so much more!!
Source: MRED #mrd12084331
Source: MRED #mrd12084331
Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step.
Whether you have an agent or you’re just starting your search, reach out to us and we’ll help set up a home tour.
Roam works with you, your agent, and the listing agent to prepare a mortgage assumption agreement and finalize all details.
Roam coordinates all parts of the transaction and keeps all parties up to date to provide a seamless 45-day close.
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.
What is Roam?
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.
What is an assumable mortgage?
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.
Why is an assumable mortgage valuable?
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.
Will an assumption work for me?
An assumption might be a suitable option for you if you meet the lender’s qualifications. We also offer Roam Boost to help buyers reduce the down payment required to a minimum of 5-15%. See below for more FAQs specific to Roam Boost.
Why do buyers use Roam?
Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step. Roam helps home buyers find and purchase homes with a low-rate assumable mortgage included. Once you find your dream home, Roam manages the process of assuming a low-interest rate mortgage, helping buyers save thousands a year on mortgage payments compared to buying with a traditional mortgage at today’s rates. On average, buyers who use Roam save $15,000 in mortgage payments annually.
MLS ID: #mrd12084331