Welcome to this beautifully maintained 2022-built home in the highly desirable Westfields community, offering modern design, spacious living, and an exceptional location. From the moment you step through the front door, you're welcomed by a bright and inviting formal living room and dining room, filled with abundant natural light. The thoughtfully designed main level features 9-foot ceilings, luxury vinyl plank flooring, and a seamless open-concept layout that flows effortlessly into the breathtaking two-story family room and expansive gourmet kitchen. Soaring ceilings and oversized windows fill the space with natural light, creating an impressive sense of openness that is perfect for both everyday living and entertaining. At the heart of the home, the gourmet kitchen features a large center island, stainless steel appliances, abundant cabinetry, and generous counter space. The builder-upgraded morning room extends the living area, providing the perfect setting for casual meals, morning coffee, or gathering with family and friends. Upstairs, you'll find four generously sized 4 bedrooms and 3 full bathrooms, including a spacious primary suite designed for comfort and privacy. The unfinished walkout basement offers endless possibilities to create the space you've always wanted. Whether you envision a home theater, guest suite, recreation room, fitness area, wet bar, or additional living space, this level provides incredible flexibility and direct access to the backyard. Location is one of this home's greatest assets. Ideally situated within walking distance of the highly rated elementary school, it also offers access to outstanding community amenities, including a swimming pool, basketball courts, playgrounds, and scenic walking trails. Everyday conveniences are just minutes away, with Walmart, Wawa, shopping, dining, and other retail destinations all within a five-minute drive. Commuters will appreciate the easy access to I-70 and other major roadways, providing exceptional convenience for daily travel. Combining modern construction, a bright and functional floor plan, premium builder upgrades, outstanding future potential, top-rated schools, and an unbeatable location, this home presents one of the best values in the Westfields community and an exceptional opportunity you won't want to miss.
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.
