6105 Del Miller Ln, Cary, IL 60013
5 beds · 6 baths · 4,400 sqft
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!!
Source: MRED #mrd12134067
Source: MRED #mrd12134067
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: #mrd12134067
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.