2021 Winterberry Trl, Wonder Lake, IL 60097
4 beds · 3 baths · 2,600 sqft
Move-in Ready & Full of charm. The property sits on a prime lot with no future development planned behind it, offering exceptional privacy and unobstructed views. Welcome to your new home in the sought-after Stonewater at Wonder Lake community! This newer construction offers the perfect blend of modern style and cozy home vibes, with thoughtful upgrades that make it truly move-in ready. Step inside the beautiful Henley model, offering over 2,600 sq ft of flexible living space. The main level features 9-foot ceilings and a versatile flex room that can be your perfect home office, playroom, or cozy den. The heart of the home is the open-concept kitchen and family room, designed for everyday living and entertaining. You'll love the large island, white shaker cabinets, quartz countertops, walk-in pantry, and stainless steel appliances - all styled to impress. Need storage? The oversized entry closet by the garage is perfect for shoes, backpacks, and more. Upstairs, the spacious loft gives you even more options - think movie room, homework zone, or yoga retreat. The primary suite is your personal oasis, featuring a massive walk-in closet and a beautiful en suite bathroom with a dual vanity and walk-in shower. Plus, no more hauling laundry up and down stairs - enjoy the convenience of a second-floor laundry room! Smart living is built right in with America's Smart Home Technology - control your lights, thermostat, and security with your phone, tablet, or voice! Plus, enjoy energy-efficient features like a tankless water heater, ERV furnace system, and more. This home has everything you need to start your next chapter. Make your appointment today and come see why this home is the perfect fit for your lifestyle!
Source: MRED #12329780
Learn about how it works
Why Roam
Gap financing to lower your down payment
Unlock down payments as low as 5% – only with Roam
5x the likelihood your offer is accepted
If a purchase takes longer than 45 days, we’ll cover the seller’s mortgage until you close
Close faster and stress-free
We close 2x faster because of our deep experience and lender relationships
Rates and payments are estimates based on public records.
Source: Public records
All values shown are estimated costs / mo.
Source: Public records
Source: MRED #12329780
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.