Welcome Home to this Stunning, Fully Upgraded Townhome that will provide you Move-In Ready Luxury. This Amazing 2 Bedroom, 2.1 Bath, 2.5 Car Garage Home is Beautifully Upgraded where every room has been Thoughtfully Enhanced with Modern Finishes and High-End Details. From the moment you step inside, you'll notice the seamless blend of Style, Comfort and Functionality designed for today's lifestyle. The Open-Concept main level features Espresso-Stained Engineered Hardwood Flooring throughout, Designer Lighting Fixtures and a Spacious Living Area with Gorgeous Built-in Cabinetry surrounding the Fireplace. The Gourmet Kitchen is a true highlight, boasting Premium 42" Cabinetry with Sleek Quartz Counters, Slate Backsplash & Upgraded Stainless Steel Appliances and Built-In Seating around your table. The Second Floor is accessed by a Spacious Staircase with Stylish Wrought Iron Rails, Enhanced Trim & Upgraded Chandelier. The Bedrooms are Generously Sized, Tastefully Updated, offering a Peaceful Retreat with Enhanced Closets & an Abundance of Natural Light. All of the Bathrooms have been Fully Upgraded with Gorgeous Vanities, Lighting, Mirror and Marble & Limestone Tilework with a Mounted TV to make sure you don't miss your Favorite Show, all with a Spa-Like Feel. Don't forget to escape to the Primary Bedroom, complete with Sitting Room, Vaulted Ceiling, Plant Ledge & Ceiling Fan. The Walk-In Closet has been Upgraded with Built-In Cabinetry and Decorative Glass Barn Door. The Private Primary Bathroom speaks Luxury with the Over-Sized Shower with Limestone Tile, Custom Cabinetry & Mirror. This home has Newer Flooring throughout, New Light Fixtures & Chandeliers, New Fans, 2" White Wood Blinds, New Black Matte Hardware & Over-sized Trim. Enjoy the convenience of Smart Home Technology with Remote Garage Control, Ring Camera & Nest Thermostat. If you are looking for an Amazing Upgraded 2.5 Car Heated Garage, you will find it here! You will Love the Attached Garage that has been enhanced with Built-In Cabinetry Drop Zone for shoes & coats, Built-In Workshop, Storage Cabinetry, along with a Shiplap Accent Wall with Built-In Electric Fireplace & Seating Area all on Snap-In Rubber Flooring. This built-in entertainment area, provides a unique extra space - ideal for additional lounging space, entertaining and an unexpected extension of the home's living area - while still maintaining the garage functionality. The Furnace & AC are New (2025) & the Hot Water Heater was replaced in 2024 & New Roof in 2024, Air Ducts Cleaned (2026). This home is located within Highly Rated & Acclaimed School Dst. 204 and is close to all of the Conveniences that make this such a Great Location (Close to I-88, Minutes to the Metra Train Station, Eola Rec Center, Library, Shopping, Restaurants & Parks. This Meticulously Upgraded Townhome offers the Perfect Combination of Luxury, Comfort & Low Maintenance Living - an Exceptional Opportunity for Anyone seeking a home that truly stands-out like no other. It is also Investor Friendly too.
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.
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.
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.
When assuming the existing mortgage as part of a home purchase, the buyer has to cover the seller’s equity in the home. The seller’s equity is the purchase price minus the remaining mortgage balance. This amount must be covered in full through an all-cash down payment or by taking out a second mortgage.
Yes. Non-veterans can assume a VA loan, provided they meet the lender’s VA criteria. When a qualified buyer assumes a VA mortgage from a veteran or active-duty service member, the seller’s VA loan entitlement remains tied to the assumed loan until the buyer pays off or refinances the loan. This process restores the veteran seller’s entitlement, enabling them to use their VA benefit for a future home purchase.
Yes. All FHA loans are assumable by law as long as the buyer meets the FHA’s credit, income, and qualification requirements and obtain lender approval before assuming the loan (per FHA regulations effected December 15, 1989). Roam makes this process simple for buyers.
Generally, conventional loans are not assumable. In rare cases, a conventional loan may be assumable with lender approval. Use our search tool to find homes with assumable low-rate loans, or reach out to us if you’d like to confirm a specific home’s assumability.
