Rare opportunities like this don't come along often-and this one truly feels like home the moment you walk in. Tucked away on a quiet cul-de-sac in the desirable Estates of Fox Chase, this beautifully maintained, fully furnished ranch home - just six years young - offers a thoughtful blend of comfort, ease, and modern living. From the moment you step inside, you're welcomed by a sense of calm. A spacious walk-in closet near the entry invites you to set down the day and settle into a space designed to support your lifestyle. The heart of the home opens effortlessly before you - where the kitchen, dining, and living areas flow together in a way that feels both inviting and functional. Sunlight pours through the windows, creating a warm, uplifting atmosphere. Whether you're grabbing a quick bite, streaming your favorite playlist right from the refrigerator's touchscreen, or unwinding by the soft glow of the electric fireplace, this space meets you exactly where you are. And because life doesn't always follow one routine, this home adapts beautifully. Entering through the attached two-car garage, you're greeted by a space that you have created into a practical mudroom - perfectly placed for coats, shoes, and everyday essentials. Just steps away, the main-floor laundry makes multitasking effortless, while the kitchen remains the central hub for gathering and creating meals with ease. When it's time to recharge, the primary suite offers a peaceful retreat. Thoughtfully designed with double sinks, a sleek glass shower with handheld feature, a private water closet, double-door linen closet and a generous walk-in closet, it's a space that balances both function and comfort. The full basement provides a blank canvas-ready for your vision should you choose to expand, with the potential to add approximately 1,000 square feet of additional living space. And perhaps the most beautiful part? Everything you see can stay. Fully furnished and move-in ready, this home allows you to step right into your next chapter without the stress of starting from scratch. If you've been waiting for a home that truly supports your day-to-day life while offering a sense of peace and possibility, this is the one. Schedule your private showing today and see what makes this home so special.
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.
