2002 Waverly Cir, Saint Charles, IL 60174
3 beds · 3 baths · 1,846 sqft
Stop the car!! Look no further.... This townhome is ready for it's new owners. Forget new construction and move in now. Welcome to the front porch as you enter this lovely 3 story home. Great open foyer with stairs to the upper level and views of the soaring two story living room with a cozy gas fireplace. The entrance to the large eat in kitchen takes your breath away and awaits the chef of the family. Enjoy the upgraded white kitchen with granite countertops, plenty of extra cabinets, with extra storage space. Stainless steel appliances and bright wood floors lead into the dining room with high ceilings and and lots of natural daylight. Off of the dining room are sliding glass doors to the beautiful screened in Florida sun room with an air conditioner unit. A great place to relax to gather, read, work or for your morning coffee. Enjoy a wonderful patio for grilling and planting or just viewing the beautiful and well maintained landscape. There is also a half bath and a laundry room on the main floor. Now, let's go upstairs where we have three bedrooms and a full bathroom with a nice linen closet. The master bedroom has vaulted ceilings with a sizable walk in closet and double doors to the master bath with double sinks and whirlpool tub plus a separate shower with rainfall shower fixture. This gorgeous home is loaded with windows and so light and bright even during overcast days. We have one more surprise for you, the finished basement, come on downstairs to the recreation area/man-cave. Amazing living space loaded with closet storage space. The opposite side of the basement is closed off for storage and mechanicals. As if this wasn't enough, the townhome is situated in the award winning D303 School District, one mile from the high school and middle school. The low and well managed association fees makes this the perfect home for you. This East side location is also ideal and close to shopping, Historic downtown, library and fabulous restaurants. Enjoy the walking paths, playgrounds and green space in the Fox Chase park adjacent to the subdivision. This home is priced to sell. Don't wait.
Source: MRED #12197351
Interest rate and monthly payment estimated based on public records.
Source: MRED #12197351
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: #12197351
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