3209 Charlemagne Ln, Saint Charles, IL 60174
4 beds · 3 baths · 2,419 sqft
Welcome to 3209 Charlemagne Ln, a truly exceptional colonial residence nestled in the desirable Charlemagne neighborhood of St. Charles. This meticulously maintained home offers a perfect blend of classic elegance and modern updates, ready for you to move in and create lasting memories. As you approach, you'll appreciate the charming facade and the convenience of an attached garage, seamlessly blending practicality with curb appeal. Stepping inside, the warmth of hardwood floors greets you, leading to a thoughtfully designed layout. To your left, the inviting family room sets the stage for cozy gatherings, flowing effortlessly into the elegant dining room and the heart of the home, the updated kitchen, boasting stainless steel appliances and granite countertops. The spacious living room provides an additional area for relaxation and entertainment. A conveniently located main floor bathroom adds to the home's functionality. Ascend the staircase, located just off the entryway, to discover the private quarters. The luxurious master suite offers a serene retreat, followed by generously sized bedrooms, all bathed in natural light. The hardwood flooring continues upstairs, enhancing the home's cohesive and elegant feel. Descend to the lower level to find even more flexible living space. Throughout the home, great lighting enhances the warm and welcoming atmosphere. Outside, a wide, expansive backyard awaits, featuring a spacious deck perfect for summer barbecues and a handy shed for storage. Notably, this home's prime location places you just 1.5 miles from a variety of shopping centers, including Target and an array of delightful restaurants, ensuring all your daily needs and dining desires are easily met. This property is a fantastic opportunity to own a maintained home in a sought-after St. Charles location. Don't miss your chance to make 3209 Charlemagne Ln your own!
Source: MRED #12320515
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 #12320515
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.