33182 Opus Ct, Sterling Heights, MI 48312
4 beds · 3 baths · 1,846 sqft

Get a free consultation call with an expert in the mortgage assumption process.
This could be your dream home! Large, 4 Bedroom, 3 Bath, Ranch home on a cul-de-sac, with limited traffic. When you walk into this home you will be inspired by the circular ceiling archway and fresh looking ceramic tile floor leading to the Great Room with a refreshing open European atmosphere; and a gas fireplace for warm and cozy evenings. Looking around you will see the large kitchen/dining area providing ample storage and counter space, streamlining your daily cooking routine. Nearby is the first floor laundry room, no lugging laundry to the basement! Walking through this spacious home you will see that all the bedrooms are of nice size. The Master bedroom has a full bath and walk in closet. The second full bathroom serves the remaining rooms, one of which could be an office or den. The beautiful patio provides great outdoor opportunity to enjoy the sunshine, with no back neighbors. New furnace installed August, 2024. This is a lovely family sized home! Make it yours! -BATVAI
Source: REALCOMP #58050170478
All values shown are estimated costs / mo.
Source: Public records
Source: REALCOMP #58050170478
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.
