Set on a quiet, tree-lined street in highly desirable South Whitehall Township, 2033 Brown Street offers a rare opportunity to own a fully updated home within Parkland School District. Blending comfort, style, and functionality, this move-in-ready residence delivers a refined, modern feel in one of the Lehigh Valley’s most sought-after suburban locations. At the heart of the home is a beautifully updated kitchen featuring quartz countertops, a tile backsplash, and clean-lined white shaker cabinetry. The adjoining living and dining areas provide a warm, inviting flow filled with natural light and are enhanced by classic hardwood flooring. The home offers a flexible and highly desirable layout, with two well-proportioned bedrooms conveniently located on the first floor. The first floor features a stylish full bathroom with tub/shower that has been tastefully upgraded with tile flooring and a deisgner tile surround. The oversized primary suite is privately situated on the upper level, creating a true retreat complete with a spacious bedroom and a well-appointed en-suite bath featuring a stand-up shower and separate soaking tub. All bedrooms and the finished basement are comfortably finished with carpeting, creating a warm and cohesive feel throughout the living spaces. A finished basement adds valuable additional living space, perfect for a media room, home office, or fitness area—enhancing both comfort and versatility. Recent mechanical improvements, including a newer oil furnace and chimney liner 2023 and central air conditioning 2025, provide efficient year-round comfort and peace of mind. Shingle portion of main roof replaced 2020. Outdoor living is equally impressive, with a newly constructed stone patio creating a private setting for dining, entertaining, or relaxing outdoors. The property also features a detached garage and additional storage space above. Located within minutes from shopping, dining, parks, and major commuter routes, this home offers the perfect balance of suburban tranquility and everyday convenience. 2033 Brown Street is a rare opportunity to secure a thoughtfully upgraded home in one of the region’s most desirable and consistently strong residential markets. Showings start with Saturday Open House. This property is a must see!
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.
