6105 DEL MILLER LN, Cary, IL 60013
Enjoy nature views from every window in this custom home located in a private country setting. The quaint wrap around front porch with recessed lighting greets you and leads you into the home with a center hall floor plan and 2 story foyer. You'll find hardwood floors on most of the main level. Formal dining room and living room with crown molding. Family room includes built in bookshelves, cozy stone fireplace, pocket doors to the living room and access to the wrap around porch. Oversized kitchen has custom shaker style cabinets, center island, stainless steel appliances, built-in double oven, new range hood, planning desk and bayed eating area. First floor den/bedroom has private outside door access and is conveniently located close to the full first floor bath - great for an in law arrangement. Beautiful newly remodeled powder room. GIGANTIC primary bedroom boasts dressing area with skylights, his/her walk-in closets with organizers (one with door to extra attic storage), en-suite bath has dual vanity with make-up table, skylight, whirlpool tub and separate shower. Princess suite bedroom with double closets and 2 other large bedrooms with jack and jill bath complete the second level. You'll love the deep pour full finished English basement with rec room featuring a franklin stove, play area, work-out room, kitchen area, half bath and access to 3.5 car heated garage. Enjoy outdoor entertaining with the 3 seasons room and in ground pool. Owner is in the process of finishing a concrete patio on the side of home for even more space to gather. Other outstanding features include first floor laundry room with door leading to deck and pool ~ white doors and trim ~ 2 NEW furnaces within the last 3 years ~ 2 water heaters and whole house fan. This is a true gem!!
You may be able to put down less than the total down payment amount of $166,856 and have the rest of the funds financed with a 2nd mortgage from a lender. 4
Location
Details
How it works
Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step.
Tour
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.
Offer
Roam works with you, your agent, and the listing agent to prepare a mortgage assumption agreement and finalize all details.
Close
Roam coordinates all parts of the transaction and keeps all parties up to date to provide a seamless 45-day close.
Who can qualify
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.
Frequently asked questions
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.
Will an assumption work for me?
An assumption might be a suitable option for you if you meet the lender’s qualifications. We also offer Roam Boost to help buyers reduce the down payment required to a minimum of 5-15%. See below for more FAQs specific to Roam Boost.
Why do buyers use Roam?
Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step.
Roam helps home buyers find and purchase homes with a low-rate assumable mortgage included. Once you find your dream home, Roam manages the process of assuming a low-interest rate mortgage, helping buyers save thousands a year on mortgage payments compared to buying with a traditional mortgage at today’s rates. On average, buyers who use Roam save $15,000 in mortgage payments annually.
MLS ID: #mrd12134067