13016 Grande Poplar Cir, Plainfield, IL 60585
4 beds · 3 baths · 3,177 sqft
Welcome to this meticulously maintained residence nestled in the highly desired Grande Park neighborhood. With over 3,177 square feet of living space, this home opens with an expansive foyer with formal living and dining room on either side, leading towards the oversized family room, perfect for family gatherings. A newly updated kitchen (2024) includes stunning quartz countertops, contemporary white cabinets, a large farmhouse sink, and an incredible octagonal window- this eat-in kitchen has all the ingredients for entertaining! Most appliances were replaced in 2023. The first floor also includes an updated powder room. On the second floor, the primary suite includes an updated expansive bath and walk-in-closet- a perfect oasis. The second floor also includes three additional bedrooms, an updated hall bath and an expansive open loft, perfect for a home office, playroom or even a fifth bedroom. In the basement, you'll find extra deep nine foot ceilings, complete with egress windows and a plumbing rough-in with two rooms and a bath already framed that awaits your ideas to enhance its entertainment value. Outside, enjoy the rest of summer in the beautifully curated surroundings, complete with large brick paver patio. Updated features include a new roof (2024), carpet (2023), insulation (2022) and refinished hardwood floors (2024). Additionally, this community includes access to a pool, clubhouse, jogging trails, athletic fields and playgrounds. Moreover, Grande Park Elementary and Murphy Junior High School (Oswego 308) also reside within the community, making it perfect place. to call home. Quick close possible!
Source: MRED #mrd12174705
Source: MRED #mrd12174705
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: #mrd12174705
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.