Welcome to 1626 Conlyn St — a beautifully renovated 3-bedroom, 2-bath home offering nearly 2,000 square feet of finished living space, two off-street parking spots, and a peaceful residential setting just minutes from the city. This move-in-ready gem blends modern upgrades, flexible living space, and everyday convenience in one exceptional package. From the moment you arrive, the thoughtfully landscaped front garden filled with seasonal blooms creates inviting curb appeal. Step inside to a bright, sun-filled mudroom — the perfect drop zone — complete with a spacious double-door coat closet. The main level opens into a seamless living and dining area designed for both relaxing and entertaining, anchored by an updated kitchen featuring granite countertops, crisp white cabinetry with black hardware, stainless steel appliances, a dishwasher, updated disposal, and a classic tile backsplash. Two decks extend your living space outdoors — ideal for grilling, entertaining, or easy grocery access from the side entrance. Upstairs, you’ll find three generously sized bedrooms and two full bathrooms. The airy primary suite includes custom closet shelving with a built-in safe and a stylish ensuite bath featuring tile flooring, glass stall shower, and upgraded bidet seat. The additional bedrooms are bright and spacious, with convenient access to a modern hall bath complete with tiled tub/shower combo and ample vanity storage. The fully finished walk-out basement provides valuable bonus space perfect for a family room, home office, gym, or guest area. It also includes a dedicated laundry zone with detailed tile flooring, retractable drying rack, and direct access to the garage with smart opener. Carpet was professionally cleaned in January 2026 for added peace of mind. Major improvements include a brand new upgraded electrical panel, and newer HVAC, water heater, plumbing, windows, and doors, plus a smart security system for modern living. Located just minutes from Jefferson Hospital, La Salle University, parks, trails, shopping, dining, and public transportation, this home offers the comfort of a quieter neighborhood with quick access to everything Philadelphia has to offer. Move right in and start enjoying the space, upgrades, and convenience — 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.
