304 Bradford Rd, Joliet, IL 60433
4 beds · 3 baths · 1,701 sqft
Welcome to this beautifully maintained 4-bedroom, 2.5-bath home in Joliet's desirable Sunset Point development. Built in 2021, this modern residence offers a perfect blend of comfort, functionality, and style. The home greets you with soft blue-gray siding paired with a striking stone facade and an attached two-car garage. Step inside to discover a spacious and sun-drenched main level featuring an open-concept living and dining area-ideal for entertaining. The kitchen boasts stainless steel appliances, an oversized island with additional seating, and ample cabinet space. Upstairs, you'll find four generously sized bedrooms, including a primary suite complete with a walk-in closet and a private en-suite bathroom with double sinks. A convenient powder room is located on the main level, while an unfinished basement offers endless potential for customization. The backyard is open and incredibly large, providing plenty of space for outdoor enjoyment and relaxation. With east-facing rear exposure and west-facing front exposure, this home enjoys beautiful natural light throughout the day. Located just south of downtown Joliet, you're minutes from local attractions like the historic Rialto Square Theater, Chicagoland Speedway, Hollywood and Harrah's Casinos, and more. Don't miss your chance to make this move-in-ready home yours-schedule your private tour today before it's gone!
Source: MRED #12314787
Source: MRED #12314787
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%. 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.
Other resourcesWhat 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.
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.