327 Pine St, Joliet, IL 60435

Coming Soon! Welcome to this stunning and well maintained brick home nestled in the highly desirable Prairie Crossing of Beecher! This home has been lovingly and meticulously cared for by the original owners. It features over 3,200 square feet of living space and sits perfectly on a .32 square foot lot on a quiet street with no backyard neighbors. The property boasts exceptional curb appeal creating an immediate positive impression. Step inside and you are greeted by the soaring two story foyer that leads to the open concept family room that is ideal for entertaining family and friends. The family room features a dramatic two story ceiling, helping keep the space airy and bright. The warmth and inviting ambiance of the gas log/wood burning fireplace is the perfect gathering space. The dining room flows seamlessly into the gorgeous kitchen featuring an abundance of 42 inch Maple cabinets with crown molding, granite countertops, a tile backsplash, full stainless steel appliance package and a center island with seating for three. The corner windows at the kitchen sink provide the best and most peaceful view of the sprawling backyard space. Whether you are preparing a gourmet meal or a quick snack, this kitchen is sure to inspire your culinary creativity. The slider door in the dining area leads to the paver patio and firepit area - which is another perfect spot for relaxation. Main floor features a primary bedroom with tray ceiling and easy maintenance wood-like porcelain tile flooring, a huge walk-in closet with a built-in dresser and a spa-like ensuite bathroom with a dual sink vanity, extra deep soaker tub for maximum relaxation and separate shower. Convenient powder room on the main level along with a mudroom including the laundry area with utility sink, small office space and access to the heated 3.5 car garage. Head up the beautiful staircase graced with classy iron spindles and step into the expansive flex room that can serve as an amazing game room - complete with a wet bar, media room, second family room or play area for the kids. The entire second level features Luxury, wood-like laminate flooring with extra wide planks. Both secondary bedrooms are spacious with a convenient full bathroom in the hallway with a dual sink vanity and tub/shower. The full, unfinished basement provides storage space or can be finished out if you desire for additional living space. Full sprinkler system to help keep the landscaping maintained and a private backyard area with a paver patio and firepit to relax and enjoy time with your family and friends. Furnace, A/C and Central Humidifier replaced in 7/2024, 50 Gallon water heater replaced in 2019, Sump and Ejector Pump replaced in 2023. Peaceful, serene area - with a country feel. This home has it all!

Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step.

• Buyers
• Agents
• Sellers

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.

Last updated: Dec 21, 2024 06:25 pm

Listing agent: Amy Kite

Listing provided courtesy of: Keller Williams Infinity (630) 778-5800

Details provided by MRED and may not match the public record.
MLS ID: #12217374

Based on information submitted to the MLS GRID as of Dec 21 2024 - 18:28. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.

Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.