13269 Cameo Ct, Carmel, IN 46033
4 beds · 3 baths · 4,118 sqft
The backyard and location you have been waiting for in Emerald Crest of Carmel! Nestled on a court, close proximity to the neighborhood pool/park just in time for summer! Open the door to SO MUCH space! 4 bedrooms, 3 baths! 2 story foyer with natural light beaming through the picture window, stunning staircase with wood stair treads. Living room and dining room featuring new hardwood floors, open to one another with plenty of space for those larger gatherings! Tucked off the rear of the home is a cozy greatroom with new hardwood flooring, a gas fireplace, and wall of windows overlooking your spectacular backyard! Bump out in the breakfast room offering an abundance of space, open to the kitchen with a kitchen island, and plenty of counter space! Three walls of solid cabinets, all stainless steel appliances included, and complete with a corner pantry. Upstairs you will find a grand owner's suite with vaulted ceilings, ensuite bath with garden tub and separate shower, large WIC too! Freshly painted flex area of a loft with engineered hardwood flooring spanning through the upstairs hall. 3 additional spacious bedrooms and 2nd full bath with updated including, lighting, flooring and dbl sink vanity! Finished Basement features wide open space with unlimited possibilities! Step outside into your backyard that is lined with mature trees, private oasis! Freshly painted deck perfect extension of you home! Enjoy all this home offers including a fantastic location to shopping and dining just a stone's throw away!
Source: MIBOR #22027980
All values shown are estimated costs / mo.
Source: Public records
Source: MIBOR #22027980
To qualify, you must meet the current FHA or VA 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%. 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.
FHA (Federal Housing Administration) loans
FHA loans require the buyer to assume the mortgage as a primary residence.
VA (Veteran's Affairs) loans
You don't have to be a veteran to assume a VA loan. However, not all veterans are willing to let a non veteran assume their mortgage. Roam confirms the seller's willingness prior to you making an offer.
Investors
You may be able to assume a VA mortgage as an investor without it being your primary residence.
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.
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.
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 620, 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.
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.