Nestled within the sought-after Hartefeld National Golf Club community and overlooking the picturesque 16th fairway, this exceptional Augusta model offers luxury living with over 5,000 square feet of beautifully designed space. Rarely available, this sought-after floorplan features a convenient first-floor primary suite and an ideal layout for both everyday living and entertaining. Step through the front door into a dramatic two-story foyer with cathedral ceilings and gleaming hardwood floors that flow throughout the main level. To the left, a spacious private office provides the perfect work-from-home setting, while the formal dining room to the right showcases custom cabinetry and elegant finishes for memorable gatherings. The heart of the home is the impressive great room featuring soaring vaulted ceilings, a cozy gas fireplace, custom built-ins, ceiling fan, and a stunning picture-window framing the breathtaking golf course views. The updated gourmet kitchen is designed to impress with granite countertops, new appliances (2025), a butler’s pantry/bar area, walk-in pantry, and a sunny breakfast dining area ideal for casual meals. The breakfast area flows seamlessly through sliding doors onto a large deck overlooking the golf course. The deck extends down to a spacious patio featuring a charming small pond, creating the perfect outdoor setting to relax with morning coffee or unwind with a glass of wine in the evening. The luxurious main-level primary suite is a true retreat, complete with two custom walk-in closets and a completely renovated spa-inspired bathroom (2025) featuring a tiled walk-in shower, dual vanities, makeup vanity area, and refined designer finishes. The main level also features a conveniently located laundry room and powder room for added functionality and everyday ease. Upstairs, three generously sized bedrooms all feature ceiling fans and excellent closet space. Bedroom two enjoys access to a private adjoining full bath, while bedrooms three and four share a convenient Jack-and-Jill bathroom. The finished lower level expands the living space even further and features one expansive open-concept room offering endless possibilities for entertaining, recreation, fitness, or media space. Plush carpeting adds warmth and comfort throughout, while two enormous storage areas provide exceptional organization and flexibility. The basement also features plumbing rough-ins for a future bathroom, offering even more potential customization. This meticulously maintained home also includes numerous major updates and improvements, including new windows (2026) throughout the home, a whole-house generator (2023), new native landscaping (2025), and a new roof (2020) — offering both peace of mind and exceptional curb appeal. Completing the property is a spacious 3-car garage offering ample room for vehicles, storage, and recreational equipment. Offering a rare combination of size, layout, updates, and spectacular golf course views, this stunning Hartefeld home is an incredible opportunity in one of Chester County’s premier golf course communities. Schedule your private tour today and experience luxury living on the fairway.
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.
