642 Camellia Ct, Aurora, IL 60505
3 beds · 3 baths · 2,200 sqft
Get a free consultation call with an expert in the mortgage assumption process.
MOTIVATED SELLER - MAKE YOUR MOVE NOW! 642 Camellia Ct - Modern Comfort Meets Massive Potential Seller wants this gone yesterday! Priced to move and open to serious offers - don't miss this rare chance to snag a 2019-built home on nearly half an acre in one of the most convenient locations around. Featuring 3 bedrooms, 2.5 baths, an open-concept layout, and a kitchen that flows effortlessly into the main living space, this home is built for real life - entertaining, relaxing, working, or hosting. Upstairs, the private primary suite offers a true retreat with its own full bathroom, while two additional bedrooms flex easily for guests, office space, or hobbies. Got vision? This 0.39-acre lot is your playground. Room for a pool, patio, garden, or full-blown backyard oasis. It's not just a yard - it's a statement. Built in 2019 - modern construction, clean and move-in ready Open-concept kitchen and living area - great for family living and entertaining Primary suite with private full bathroom - your own personal escape Two additional bedrooms - perfect for guests, home office, or gym Full 2-car attached garage - protect your vehicles and gear year-round Half basement + dry crawl space - tons of storage or potential future expansion Quiet cul-de-sac location - no thru traffic, peaceful setting Prime convenience - Minutes to Westfield Fox Valley Mall, Chicago Premium Outlets, I-88, Route 59, and Metra stations Huge 0.39-acre lot - rare size with endless backyard possibilities Seller is highly motivated and ready to deal. Bring your best offer - this one won't wait long!
Source: MRED #12351374
Learn about how it works
Why Roam
Gap financing to lower your down payment
Unlock down payments as low as 5% – only with Roam
5x the likelihood your offer is accepted
If a purchase takes longer than 45 days, we’ll cover the seller’s mortgage until you close
Close faster and stress-free
We close 2x faster because of our deep experience and lender relationships
Rates and payments are estimates based on public records.
Source: Public records
All values shown are estimated costs / mo.
Source: Public records
Source: MRED #12351374
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.
Roam is committed to and abides by the Fair Housing Act and Equal Opportunity Act.