Welcome to 326 Henry Street in the heart of Hellertown Borough—a charming residence offering character, comfort, and everyday convenience in one of the Lehigh Valley’s most desirable small-town settings. From the moment you arrive, this home presents inviting curb appeal and a sense of established neighborhood charm. Ideally located within Hellertown, the property offers easy access to local shops, restaurants, parks, and commuter routes, while still maintaining a quiet residential setting. Inside, the home features a thoughtfully designed layout with comfortable living spaces and a natural flow between rooms. The living room is a standout, highlighted by a large corner picture window that fills the space with natural light, along with unique wood detailing and durable laminate flooring that creates a warm and welcoming atmosphere. The kitchen is both functional and inviting, featuring an eat-in layout with Brand New laminate flooring, ceiling fan, crown molding accents, and granite countertops with a tile backsplash. It is equipped with Newer Stainless Steel Appliances including a refrigerator, dishwasher, and a five-burner stove, along with a double sink, offering a practical and well-appointed space for everyday cooking and entertaining. Sunroom Off Kitchen with Walls Of Windows, Separate Entrance, Currently functioning As Laundry Area . Full Bathroom With New Exhaust Fan, Ceiling And Paint. This home offers Two bedrooms with comfortable proportions and good storage on the mail level. The Second-Floor primary bedroom features built-in elements, laminate flooring, and wainscoting detail, Landing area features built In Desk And Shelves walk-in closets with eaves that provide additional usable storage and architectural character. The finished basement expands the living space significantly, featuring a large family room ideal for recreation or relaxation. It also includes a kitchenette with a double sink, a half bathroom, and additional storage areas, adding excellent flexibility for entertaining, extended living, or guest use. Outside, the property offers a low maintenance Spacious yard that provides just the right amount of outdoor space for enjoyment, A private driveway adds convenient off-street parking Along With A Detached Oversized Garage For Additional Parking, Storage Or Workspace Area. Set in a highly accessible location within Hellertown Borough, this home blends small-town charm with regional connectivity, offering an easy commute to Bethlehem, the greater Lehigh Valley and Beyond. Literally Minutes From All Major Highways A wonderful opportunity for buyers seeking a well-kept home with character, functional living space, and versatile finished lower level. Upgrades Include Radon Remediation System, Circuit Breaker Panel, New Roof 2023. Entire Sidewalk In Front Of House To Be Removed And Replaced, ( Already Scheduled) See List Of Additional Upgrades
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.
