Welcome to St. Andrews Links II where a serene, lush setting meets an active, resort-style lifestyle. This sought-after Valleybrook community offers an array of amenities including pickleball, tennis, and basketball courts, along with optional golf memberships for those looking to enjoy the course just steps from home. With lawn maintenance, snow removal, and exterior care typically handled by the association, you can spend more time enjoying your surroundings and less time on upkeep. Ideally located, this home provides easy access to Route 42, Gloucester Township Premium Outlets, and a wide variety of shopping, dining, and entertainment. Commuters will appreciate the convenient drive to Philadelphia and nearby shore points making this location as practical as it is desirable. As you enter this beautifully updated 3-bedroom, 2.5-bath townhouse, perfectly positioned with stunning golf course views. Blending comfort, style, and modern convenience, this home is truly move-in ready. Inside, you’ll find a thoughtfully upgraded smart home featuring recessed LED lighting, deco-style switches and receptacles, and ceiling fans in every room for added comfort. The inviting living space is centered around a cozy gas fireplace perfect for relaxing nights or entertaining guests. The kitchen and living areas flow seamlessly, enhanced by newer appliances and smart-home functionality designed for today’s lifestyle. Upstairs, the home continues to impress with a fully renovated main bathroom, an updated primary bath, and a refreshed half bath all finished with a clean, modern aesthetic. The primary suite offers a custom-built additional closet, providing exceptional storage, while pre-wired cable jacks and outlets behind every TV ensure a sleek, clutter-free look throughout the home. Major systems have been updated, including newer heating, air conditioning, and hot water systems, offering both efficiency and peace of mind. The garage is equally impressive, featuring a professionally finished epoxy floor that adds durability and a polished touch. With its premium upgrades, smart features, and picturesque golf course setting, this home delivers the perfect balance of modern living, low-maintenance convenience, and everyday luxury.
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.
