9145 S Pleasant Ave, Chicago, IL 60643
5 beds · 4 baths · 2,545 sqft sqft
Welcome to this timeless brick and stone traditional home located in a prime North Beverly location. 5 bedrooms, 4 baths of space and luxury accommodation for the whole family. On the first floor, you're greeted by the family room and a formal dining room directly from the open foyer, perfect for hosting dinner parties and holiday celebrations. The first-floor bedrooms provide convenience and flexibility for guests, a home office, or a playroom. Enter the modern kitchen complete with sleek granite counters, top-of-the-line stainless steel appliances, and rich cherry-wood cabinetry. It even comes complete with separate HVAC systems-upstairs and down-for optimal comfort and energy efficiency all year long. Hardwood floors move throughout the residence to add both warmth and elegance. The living room comes complete with a warm fireplace, ideal for relaxed evenings. Outside, find a three-car garage and a long side drive, complete with a beautiful rear deck for outdoor entertaining. The huge backyard is an outdoor activity and relaxation paradise, featuring a bonus area on the side of it that offers extra space for gardening or play. Picture the basement as a massive recreation room-ideal for family gatherings, game nights, or even a personal gym. Located on a pretty and quiet street, this home feels like an oasis away from it all but is just minutes to so much. Easy access to multiple shopping options along Western Ave. and the 95th St. business corridor. A few blocks away from the top-rated Kellogg Elementary School and plentiful shopping at Evergreen Plaza, Sam's Club, Jewel-Osco, Mariano's, and Whole Foods. Participate in recreational activities at The Beverly Hills Tennis Club, Ridge Park, Beverly Arts Center, and much more. In great shape, but sold strictly as-is.
Source: MRED #12211107
Interest rate and monthly payment estimated based on public records.
Source: MRED #12211107
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: #12211107
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.