Welcome to 13 W Main Street, a stunning Victorian residence that blends timeless craftsmanship with a lifestyle that’s increasingly hard to find. With 4 bedrooms, 2.5 baths, and iconic curb appeal, this home is a true centerpiece of Mount Joy’s historic downtown. The exterior immediately captivates with its wraparound porch and a striking turret, setting the tone for the architectural detail found throughout. Inside, you’ll discover intricate wood craftsmanship, tall ceilings, and large windows that flood the home with natural light—each room offering its own sense of character and warmth. The parlor is adorned with tall windows and a gas fireplace, the kitchen blends function with charm, offering abundant cabinetry, stainless steel appliances, a gas cooktop, and Corian countertops. Adding to the home’s authenticity is a second staircase, a hallmark of homes from this period that enhances both character and practicality. Leading upstairs, the layout continues to impress with a split landing to easily access all well-proportioned bedrooms and access to a charming second-floor balcony, perfect for quiet mornings or evening relaxation. The second floor features 2 full bathrooms and access to a 3rd story with a very large unfinished attic that could serve as additional future space. One of the most unique highlights is the unmatched walkability. The Mount Joy Amtrak Station is just one block away, recently upgraded and modernized, offering a seamless commute on the keystone corridor to Lancaster, Harrisburg, Philadelphia, and beyond. Whether you’re a daily commuter or someone who values easy access to major cities without sacrificing small-town charm, this location delivers. Combine this amenity with quick access by rail to Harrisburg International airport and you can travel anywhere in the world by just walking up the street. Access to the back yard can be made through the kitchen or any of the several doors along the wrap around porch. The backyard features a sidewalk leading to a detached garage with additional paved parking adjacent to the garage. From the craftsmanship and architectural presence to the unbeatable proximity to rail transit, 13 W Main Street offers a rare opportunity to own a home that’s as functional as it is beautiful—where history, convenience, and lifestyle intersect. This certified home listing includes the following reports: All of this has been completed utilizing a certified home listing plan which includes: Home Inspection, Termite Inspection, Radon Inspection and an appraisal. Ask your agent or the listing agent about being able to close in 10 days.
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.
