Welcome to 1156 Detwiler Dr., York, PA 17404 – A Beautifully Updated Home in the Heart of Outdoor Country Club and Central School District! This charming home in the coveted Country Club Estates has been thoughtfully updated, blending classic features with modern conveniences. Built by Walter Henry, the home retains its original oak floors in the living room, dining room, and all four bedrooms, while also offering contemporary upgrades that enhance its timeless appeal. Key Features: Assumable VA Loan: A rare opportunity for eligible buyers to take advantage of an assumable VA loan at a favorable 3.125% APR, ensuring low-interest payments for years to come. Updated Kitchen: The kitchen has been modernized with beautiful cherry cabinets, complemented by stunning new granite countertops, a granite composite sink, under-cabinet lighting, and ceramic tile plank floors. There’s even a built-in cookbook holder for added charm. Spacious Family Room: The first-floor family room is perfect for gatherings, featuring a beamed ceiling, a corner brick wood-burning fireplace, and a Dutch door that leads out to the rear patio. Semi-Finished Basement: The basement adds over 1,000 square feet of usable space (not included in the official square footage), with a semi-finished family room, storage room, and hobby room. The hobby room includes built-in wood shelving, making it ideal for an office, playroom, or craft space. There’s also an unfinished workshop with a water softener system and additional laundry hookups. Outdoor Living: The rear patio and large yard (one of the largest in the neighborhood) are bordered by a private bamboo forest, which provides a serene retreat. The hard-lined natural gas grill is included "as is" for your enjoyment. The property offers plenty of outdoor space for relaxation and entertaining. The addition of solar panels & a solar lease significantly reduces monthly utility costs, making this home energy-efficient and environmentally friendly. Upgraded Systems: Enjoy the best of both worlds with a newer air conditioning unit and a gas-fired hot water radiator system, which allows for zoned heating to ensure comfort in all seasons. Convenient Location: The home is located across from the entrance to the Outdoor Country Club and within the top-rated Central School District, making it ideal for those who appreciate both leisure and education. This lovingly maintained home is ready for a new owner to enjoy its charm, character, and upgraded amenities. With its spacious layout, functional updates, and unbeatable location, it’s the perfect place to call home. The home was recently painted, the hardwood floors were refinished in the color Espresso, and was also professionally cleaned. If you're looking for move in ready, this is it! Don’t miss out—schedule your showing today!
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.
