26444 W Winding Oak Trl, Channahon, IL 60410
3 beds · 3 baths · 2,281 sqft
Get a free consultation call with an expert in the mortgage assumption process.
This stunning home in sought after Hunter's Crossing is a must see. Immaculately kept and generously upgraded, the hard wood floored open plan invites gracious living. Every room boasts a ceiling fan and upgraded lighting. A cook's dream kitchen has stainless steel appliances, including a super quiet Bosch dishwasher and a Bosch microwave/ convection oven combo. The 42-inch dark wood cabinets are accented with a stone backsplash, granite countertops and above cabinet, under-cabinet, and baseboard toe-kick lighting. In addition to the oversized island with bar seating, there is dinette eating space attached to the kitchen. Two full sized pantries allow extra storage space. Additional can lighting as well as pendant lights over the island allow a bright workspace or a dramatically lit entertaining space. The separate formal dining room is accented with wainscoting detail. The laundry/mudroom is accessible from the garage and includes the fine wood cabinetry storage and a soak sink. A first floor powder room offers, marble countertops, a wood farmhouse vanity, and an upgraded dual flush toilet. Upstairs, a spacious loft allows flexible space for a study, kids' hangout, or even the potential for a fourth bedroom. The guest/ family bathroom has an upgraded dual-flush toilet, double sink with quartz countertop, lighted medicine cabinet with LED lights, adjustable shelf and three color dimmer and defogger. The master bedroom is accented by a barnwood wall. The master bath includes Bluetooth shower speakers, upgraded dual flush toilet and a lighted cabinet LED mirror with adjustable shelf, three-color dimmer and defogger. The full unfinished basement has plumbing roughed in, additional electrical outlets added, and vapor barrier installed just waiting to be finished for added living area. The 2.5 car garage is heated. The yard is fully fenced and includes a storage shed. And best of all ... there are no worries about power outages as this home includes a whole house generator with surge protector. This house has it all.
Source: MRED #12326885
Source: MRED #12326885
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 and Equal Opportunity Act.