Resort living at its best! Welcome to 185 Lively Stream Way in sought-after Amblebrook, where luxury, comfort, and convenience come together in this beautifully constructed home by Caruso. Step inside to find a gourmet custom kitchen featuring all appliances, granite countertops, a walk-in pantry, and breakfast bar, all opening into a grand living area with 9-foot ceilings, a gas fireplace, and custom window treatments. The bright sunroom and adjoining dining area create the perfect setting for everyday living and entertaining. The first-floor owner’s suite offers comfort and privacy, while a second main-level bedroom and first-floor laundry add ease and functionality. Upstairs, the bonus room provides flexible space for a home office, activity room, or third bedroom. Additional highlights include a two-car attached garage with built-in storage, natural gas heat, lawn sprinklers, a lighted paver patio with built-in natural gas grill, and a fenced backyard — perfect for pets or simply relaxing outdoors. All of this is situated on .25 acres, allowing you to move right in and enjoy. Beyond the home, Amblebrook offers an exceptional lifestyle with luxury amenities at your fingertips. Enjoy the Rock Creek Clubhouse and Fitness Center, featuring an art studio, game room, bar and lounge, theater, outdoor kitchen, indoor pool and spa, indoor pickleball and basketball courts, men’s and ladies’ locker rooms, plus an outdoor pool and lounge area. The community also offers outdoor pickleball and tennis courts, a performing arts hall, great lawn with games, outdoor seating and fire pits, walking trails, dog park, fishing dock, community garden, Harvest House, and even an on-site market and café. With a full calendar of community events, you can be as involved as you’d like — or simply enjoy the peace and privacy of home. Conveniently located just off Route 15, this property is approximately 10 minutes from historic Gettysburg and the battlefield, a short drive to Hanover for shopping and amenities, and offers an easy commute to Harrisburg or Maryland. Ask about the VA assumable loan for qualified buyers.
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.
