3608 Rosecroft Ln, Naperville, IL 60564
3 beds · 3 baths · sqft
Motivated Seller !! Welcome Home to Heatherstone! This stunning north-facing 3-bedroom, 2.5 -bath home in the sought-after Heatherstone subdivision is the definition of move-in ready! Step into the grand two-story family room, featuring beautiful hardwood floors, elegant plantation shutters, and a cozy fireplace-perfect for both quiet nights and entertaining. The open, upgraded kitchen is a chef's dream, boasting Corian countertops, dark contrasting cabinetry, stainless steel appliances, and a deep peninsula island with breakfast bar seating. The sunny eating area, with its bay window overlooking the backyard, makes mornings feel special. For more formal occasions, the dining room offers convenient access to both the kitchen and foyer. The owner's suite is a true retreat, with double door entry, a spacious sitting area, elevated tray ceiling, plantation shutters, a walk-in closet with built-in organizers, and a private, fully updated spa-inspired en suite bath. Upstairs, the additional bedrooms have large closets and shared access to the second full bath. The fully finished basement is designed for versatility, offering open-concept space for media, recreation, and exercise. Outside, the large paver patio with a knee wall and private fenced backyard provides the perfect setting for relaxation and outdoor fun. Enjoy peace of mind with major updates already completed, including a new roof (2019) and A/C replacement (2015). Heatherstone also features a neighborhood park with a covered seating area, playground, and basketball court. Schedule your showings today ,this beauty wont last long. Seller is willing to give 5,000 closing credit for any Minor repairs !
Source: MRED #12255139
Interest rate and monthly payment estimated based on public records.
Source: MRED #12255139
Source: Public records
Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step.
Whether you have an agent or you’re just starting your search, reach out to us and we’ll help set up a home tour.
Roam works with you, your agent, and the listing agent to prepare a mortgage assumption agreement and finalize all details.
Roam coordinates all parts of the transaction and keeps all parties up to date to provide a seamless 45-day close.
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.
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.
MLS ID: #12255139
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.