Tucked away on a peaceful, tree-lined setting in Susquehanna Township, this inviting home offers the perfect blend of privacy, comfort, and everyday convenience. Set on a spacious 0.31-acre lot backing to mature woods, the property creates a serene retreat where mornings begin with birdsong and evenings are best enjoyed on the expansive deck overlooking nature. Step inside to discover a warm and welcoming layout designed for both relaxation and entertaining. The living room centers around a cozy fireplace, creating an ideal gathering space during cooler months. The bright, eat-in kitchen features stainless steel appliances and flows seamlessly into the dining area, making it perfect for hosting family and friends. Upstairs, three comfortable bedrooms provide peaceful sanctuaries, while the home’s two full and two half bathrooms offer flexibility for busy households. The partially finished walkout lower level adds valuable living space—ideal for a media room, home office, gym, or play area—while maintaining easy access to the backyard. Outdoor living is where this home truly shines. The deck and fenced yard create the perfect setting for summer barbecues, quiet evenings, or simply enjoying the natural surroundings. With an attached two-car garage and generous driveway parking, there is ample space for guests and everyday convenience. Located just minutes from shopping, dining, parks, and major commuter routes, this home offers the tranquility of a private setting without sacrificing accessibility. Thoughtful updates, including a radon mitigation system and expansion tank, provide additional peace of mind. Offered at $350,000, this is more than just a house—it’s a place to slow down, connect, and truly feel at home.
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.
