Welcome to this spacious split-level home in Hudson offering abundant living, exceptional kitchen design, and outdoor amenities that elevate everyday comfort. Set on a generous lot, this property provides the privacy, room, and flexibility. With multiple levels of living, two fireplaces, and a layout ideal for both gathering and spreading out, this home truly adapts to your lifestyle. The moment you enter, you’re welcomed by an inviting main level that opens into generous living areas filled with natural light. The split-level design creates distinct yet connected spaces, offering flexibility for large households, multi-use living or your work-from-home needs. One of the standout features is the presence of two fireplaces, adding comfort, charm, and seasonal ambiance. Whether you envision cozy winter evenings, family movie nights, or simply enjoying the peaceful atmosphere of a glowing fire, these spaces create beautiful focal points throughout the home. The heart of the property is the expansive, well-designed kitchen, fully equipped with tons of cabinetry, ample counter space, and a huge center island that is ideal for meal prep, gathering, or casual dining. This kitchen provides storage, function, and style exactly where it matters most. The adjacent dining area is spacious enough for hosting large meals while maintaining everyday comfort and flow. Just off the main living area, the home includes a one-car garage with ample storage, perfect for tools, hobby items, outdoor gear, or seasonal décor. Outdoor living is another major highlight. Step outside to enjoy the fenced-in pool area, your own private retreat designed for both fun and relaxation. There’s plenty of room to lounge, sunbathe, grill, or create an outdoor living setup tailored to your style. This area offers a place to unwind during warm weather months and enhances the overall lifestyle the property provides. The fenced in back yard further expands your possibilities—whether you want space for pets, gardening, recreation, or simply the peace and privacy of a larger lot. The land provides room to explore or create future outdoor amenities, all while enjoying the serenity of a spacious setting in Hudson. This home’s blend of expansive interior space, multiple living areas, split-level design, two fireplaces, standout kitchen, ample storage, fenced pool retreat, and acreage makes it a rare find. Properties offering this combination of function, comfort, and outdoor lifestyle do not come along often. Whether you’re seeking room to spread out, a home designed for entertaining, or a private setting with exceptional indoor and outdoor living, you'll love the flexibility and warmth of this truly inviting home. All appliances convey.
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.
