946 Oxford Ct, Pingree Grove, IL 60140
4 beds · 4 baths · sqft
Step into this stunning, move-in-ready home and be immediately greeted by gleaming hardwood floors and a spacious open floor plan designed to impress. One of the largest homes-the Dalton Model-in the sought-after Cambridge Lakes Community, this 4-bedroom plus loft (potential 5th bedroom), 3.5-bathroom home has been freshly painted and is awaiting its new owners. The two-story living room, with soaring ceilings, is flooded with natural light, creating an airy and inviting ambiance from the moment you enter. The heart of the home is the expansive eat-in kitchen, which features elegant granite countertops, new stainless-steel appliances, a generously sized island with additional seating, and a bright, sunlit sitting area. Entertain effortlessly in the formal dining room and living room, while the family room offers a cozy retreat with its stunning gas fireplace-perfect for movie nights or relaxing on chilly evenings. Completing the main level are a convenient powder room and a mudroom with built-in coat and shoe storage. Ascend the extra-wide staircase, framed by oak railings, to the second floor, where you'll find four spacious bedrooms and a versatile loft. The primary suite is a true sanctuary, featuring vaulted ceilings, a large walk-in closet, and your own en-suite bath with a tub/shower combo and a double-sink comfort-height vanity. A second master bedroom with two closets and two additional bedrooms round out the second floor. The loft can double as a separate living room or be finished into a fifth bedroom. Head downstairs to the partially finished basement, the perfect space for a pool table, game room, and living area. A full bathroom with a shower and a separate storage area add both functionality and style to this incredible space. Outside, enjoy your private oasis on the custom patio. The yard is a picturesque setting, perfect for relaxing or entertaining. And don't overlook the three-car attached garage, offering plenty of space for all your toys! Located in the highly desirable Cambridge Lakes community, this home offers access to an array of amenities, including a pool, gym, community center, and scenic nature trails. Walk to the local charter school, recently voted #1 in Illinois, serving PK-12th grade. With its proximity to the I-90 interchange, shopping, dining, and entertainment, this home truly has it all. This property is more than just a house-it's a lifestyle. Don't miss the chance to make it yours. Schedule your showing today!
Source: MRED #12213889
Interest rate and monthly payment estimated based on public records.
Source: MRED #12213889
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: #12213889
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.