703 Winterberry Dr, Joliet, IL 60431
4 beds · 3 baths · sqft sqft
Welcome to 703 Winterberry Dr., located in the desirable Silver Leaf subdivision in the farthest west area of Joliet. Centrally located between I-80 & I-55 and just minutes from Shorewood and Plainfield. All major restaurants, shopping options, Joliet Junior College and Hollywood Casino are nearby. This is a unique property, spanning across a .25-acre corner lot, which happens to be one of the biggest lots in the subdivision. The vinyl and brick facade, accented by massive front white pillars and a statement red door, exudes elegance and curb appeal. Built in 2004 and owned by the same family for 20 years, this beautifully maintained home has been meticulously prepared for its next owners. Inside, you'll find an inviting space with new freshly painted walls and ceilings, upgraded light fixtures, ceiling fans, and sink hardware. New carpeting throughout. The kitchen boasts ceramic tile flooring, stainless steel appliances, including brand-new oven, microwave, sink and faucet, and garbage disposal. Adjacent to the kitchen, two versatile rooms are connected by beautiful glass pane French double doors. Originally used as the dining room and living room, these spaces offer endless possibilities for customization to suit your needs. All new Thermopane windows adorn the interior walls, flooding the space with natural lighting. On top of the ample living space, a den and a 1/2 bath ( with new pedestal sink and faucet) complete the first floor. Step outside your rear sliding door, which has integrated blinds and trimmed with decorative woodwork, to the best part of this property... "The backyard," this area has been professionally landscaped from the beginning. The underground Rainbird sprinkler system, covering 6 zones, ensures a lush, green lawn. Enjoy outdoor living on the extra-large deck with maintenance-free railings and spindles, a stone paver patio, and a pergola integrated with low voltage lighting and high-voltage outlets. Outdoor speakers with volume control make this space perfect for entertainment. At the end of your backyard sits the Troy Heritage Trail walking path, which makes walking to school fast, safe, and convenient. Troy is a top ranked school! On the second level you have an additional 4 bedrooms (3 of which feature walk-in closets), 2 full bathrooms and a laundry room. At the end of the hallway, another set of double doors will lead you to the master suite. The master suite has a walk in closet and master bathroom. The bathroom offers a comfort-height vanity with double sinks and jacuzzi tub. The fully unfinished basement is a blank canvas, with rough-in plumbing for an additional toilet, sink, and shower. A standout feature is the safe room/storm shelter/vault in the basement, providing peace of mind and security. A 7x5 foot steel framed room built into the corner of the concrete basement walls, semi-finished with fire rated drywall, electric outlets, overhead lighting, and a heavy steel door with 3 deadbolt locks. The home's practical features include gutter downspouts piped into the ground and away from the house, a finished and insulated garage with electric outlets on all three walls, and a partially finished attic with a pull-down ladder for extra storage. The large concrete driveway offers ample parking space. Schedule a showing today and be in your new home for the holidays. Priced to sell!! Walk in with instant equity!
Source: MRED #12203082
Interest rate and monthly payment estimated based on public records.
Source: MRED #12203082
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: #12203082
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