1154 Heartland Dr, Yorkville, IL 60560
4 beds · 5 baths · 3,512 sqft
Welcome to your dream home, where every detail has been thoughtfully considered. This stunning home features a spacious and bright floorplan. The grand two-story foyer boasts a double-step tray ceiling and an elegant arched transom, leading to open-concept living and dining areas adorned with crown molding, a tray ceiling, chair rail, and wainscoting. The butler's pantry with a wine refrigerator flows into the gourmet kitchen, which features hardwood flooring, granite countertops, a ceramic-tiled backsplash, birch cabinets with crown molding, a large breakfast nook, a planning desk, and an island with a butcher block top and pendant lighting. Adjacent is the vaulted sunroom with hardwood floors, opening to a large deck perfect for entertaining. The open two-story family room showcases exquisite paneled wainscoting, a floor-to-ceiling fireplace, large windows with transoms, enhanced by a double staircase. The first floor also includes a convenient laundry room with a utility sink and new ceramic tile flooring (washer and dryer not included), a versatile first floor office or bedroom with crown molding and wainscoting, and a powder room. Upstairs, the primary suite offers a luxurious retreat with a double door entrance, tray ceiling, ceiling fan, massive dual walk-in closets, and a private bath with a jetted soaker tub, separate shower with ceramic tile, and dual vanity. Bedroom 2 is a guest suite with a private bathroom, while Bedrooms 3 and 4 share a Jack-and-Jill bathroom. All bedrooms feature ceiling fans, volume or tray ceilings, and ample closet space. The finished basement is a highlight, with a wet bar, recreation room, full bathroom, two additional rooms including a 5th bedroom and a separate playroom, and two large storage areas, perfect for gatherings. Additional features include a three-car attached garage, a whole house generator, and a wood deck with a metal pergola, overlooking a beautifully landscaped yard that backs to community trails. Located in the desirable Heartland community in Yorkville, enjoy access to a community pool, neighborhood trails, open spaces, parks, and excellent schools, with easy access to shopping, dining, and interstates, as well as nearby state parks, the Fox River, hiking trails, restaurants, theater and the states largest water park. This home is a must-see to fully appreciate its charm and vibrant community.
Source: MRED #12152837
Interest rate and monthly payment estimated based on public records.
Source: MRED #12152837
Source: Public records
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.
How can you find assumable mortgage listings?
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 “Get Notified” 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.
How do I qualify for an assumable mortgage?
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.
MLS ID: #12152837
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.