This beautiful 4-bedroom, 2-bath two-story home in North Ogden stands out with exceptional curb appeal and thoughtfully designed outdoor spaces. Step inside to a striking two-story entryway that sets the tone for the spacious layout. Just off the entry, the formal living room showcases an arched doorway and a large bay window that fills the space with natural light. Nearby, a convenient mudroom with storage and a half bathroom add everyday functionality. The kitchen truly serves as the heart of the home, offering granite countertops, a large island, electric range, double oven, spacious pantry, and seamless flow into the formal dining room. Plus, direct access to the backyard makes indoor-outdoor entertaining a breeze. Adjacent to the kitchen, the large great room features brand-new carpet and expansive windows that bring in abundant natural light. Upstairs, French doors open to the impressive primary suite, complete with beautiful city and mountain views and a private en-suite bathroom featuring a double-sink vanity, soaking tub, walk-in shower, and access to the walk-in closet. The primary suite is elevated even further by a massive attached bonus room that can easily function as a sitting area, office, nursery, gym, or customized dream closet. Three additional bedrooms with spacious closets, a full bathroom with a linen closet, and a laundry room with built-in cabinetry complete the upper level. In addition to the well-designed main living areas, the home also features a full basement, offering plenty of room to grow and the opportunity to customize the space to fit your needs. The fully fenced backyard offers vinyl fencing, a patio, garden beds, a firepit, secondary water, and a six-zone sprinkler system-perfect for relaxing or entertaining. Another standout feature is the oversized garage, complete with built-in shelving and an extra-tall single door-offering exceptional space for 4-5 vehicles, storage, or hobby use. Additional highlights include fresh paint and new carpet throughout the entire home, a new garage door, exterior security cameras, a French drain along the retaining wall, and oversized cold storage. Located just minutes from great schools, restaurants, North Pointe Shopping Center, Orton/Green Acres Park, North Ogden Parks & Recreation Park, and more. This North Ogden home offers space, updates, and incredible versatility-don't miss your opportunity to make it yours!! The seller is willing to entertain any and all requests in an offer AGENTS - READ AGENT REMARKS
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.
