Charming Two-Story Home with Sunroom & Modern Upgrades in Clearfield Welcome to 1756 N 2615 W, a beautifully maintained single-family residence offering the perfect blend of comfort, modern convenience, and exceptional living spaces. Nestled in a desirable neighborhood, this 1996-built home features a classic frame construction with clean siding and a welcoming layout that is ready for its next chapter. Key Property Features: Amazing Sunroom: One of the crown jewels of this home is the spectacular sunroom. Flooded with natural light, it offers the perfect year-round oasis for morning coffee, indoor gardening, or a serene second living space. Generous Living Space: Boasting 2,026 square feet of well-designed interior space, this 2-story home offers plenty of room for both daily living and entertaining across 7 total rooms. Accommodating Layout: Features 4 spacious bedrooms and 3 baths (including 2 full baths and 1 convenient partial bath), ensuring comfort for family and guests alike. Upgraded Comfort: Stay perfectly cool during hot Utah summers with a newer central AC unit, working alongside a reliable central heating system for year-round climate control. High-Speed Tech: Enjoy seamless remote work, gaming, and streaming with ultra-fast fiber-to-the-home internet connectivity. Outdoor Living: Situated on a comfortable 0.17-acre (7,405 sq. ft.) lot, the yard provides just the right amount of outdoor space for gardening, play, or weekend BBQs without overwhelming maintenance. Prime Location: Located in the heart of Davis County, this home offers fantastic proximity to top-rated local schools within the Davis School District, including West Clinton Elementary, West Point Junior High, and Syracuse High School. Enjoy quiet residential living while remaining just minutes away from local shopping, dining, and easy commuter access.
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.
