Step into a home designed for unforgettable gatherings, family celebrations, and long summer nights-this is the house everyone will want to come to. This uncommon, oversized 3-bedroom brick ranch Baltis offers incredible space and versatility, featuring new windows (2026), three bedrooms on the main level and a fourth bedroom in the fully finished basement. As you arrive, you'll notice the front stairs have been thoughtfully resurfaced, with railings taken down to bare metal, then primed and freshly repainted-setting the tone for the care put into this home. Inside, the entire home has been freshly painted. The main floor showcases beautifully refinished hardwood floors throughout, along with a traditional arched hallway-a signature feature of this classic Baltis design. The spacious primary bedroom is a true retreat, complete with a brand-new en-suite bathroom featuring neutral custom tile in the shower, a double closet, and even the option for direct outdoor access. Two additional generously sized bedrooms with great closet space and new ceiling fans are located on the main level and share a second fully renovated bathroom, also brand new. The large living and dining areas flow seamlessly into a bright, modern white kitchen equipped with stainless steel appliances, a single-bowl sink, tile backsplash, and a sleek stainless hood. A large picture window over the kitchen provides a perfect, constant view of your backyard oasis. The large island adds both functional work space and additional storage for your kitchen needs. Downstairs, you'll find luxury plank vinyl flooring throughout, an additional 4th bedroom/ den, and a versatile bonus room that can serve as a playroom, family room, or kids' hangout space. The basement also features a spacious, clean, and refreshed laundry room with washer and dryer and ample workspace. Even the furnace room has been repainted and meticulously cleaned. Step outside through the back door into a wonderful three-season room-ideal for entertaining, whether it's parties, poker nights, book clubs, or simply relaxing out of the sun while still enjoying the outdoors. Beyond that lies your true backyard paradise. The pool has been completely repaired, with the concrete bowl professionally sealed and repainted, all supply and return lines replaced, and all filters brand new. Spend your evenings by the firepit under perfectly placed lighting. The fully fenced yard still offers plenty of green space to play, relax, and enjoy-this backyard truly has it all. Completing the property is a large two and a half car garage and an expansive driveway with ample parking, including space for a boat or RV. Most landscaping in both the front and backyard has been newly installed and will continue to fill in beautifully as you enjoy your home for years to come. This is a one of a kind lot that is approximately 1/3 of an acre, more than double the typical Westchester lot size!!
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.
