Welcome to 2092 Hawthorne Lane in Hatfield — a beautifully maintained colonial single-family home that’s truly move-in ready and packed with thoughtful updates. From the moment you step inside, you’ll appreciate the spacious and functional layout. The first floor offers a bright dining room, a comfortable sitting/living room, and a large den featuring a cozy pellet stove — the perfect spot to gather on cooler evenings. Just off the den, you’ll find a convenient laundry room complete with a brand-new washer and dryer that are included in the sale. The kitchen has been refreshed with newly installed flooring, granite countertops, and new appliances that will remain with the home, making this space both stylish and practical. Also on the main level is a bedroom and a half bath, offering flexibility for guests, a home office, or multigenerational living. A generously sized three-season sunroom provides even more living space — ideal for morning coffee, entertaining, or simply relaxing while overlooking the backyard. Upstairs, you’ll find three additional bedrooms, including a spacious primary suite with a walk-in closet and a large ensuite bath featuring a jacuzzi tub. A full hall bathroom serves the additional bedrooms. To make this home even more turnkey, the sellers are having the interior professionally painted and all carpeting replaced, giving the next owner a fresh, updated feel throughout. Out back, the property continues to impress with a large detached garage that includes a dedicated office space in the rear — perfect for remote work, hobbies, or additional storage. The nicely sized yard offers endless possibilities for outdoor entertaining, gardening, play space, or creating your dream backyard oasis. This is a wonderful opportunity to own a beautifully updated colonial in Hatfield with space, flexibility, and value. Don’t miss your chance to make 2092 Hawthorne Lane your next 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.
