Live just steps from Bridge Street in this fully renovated Phoenixville twin—where style, charm, and nonstop energy meet. Welcome to this beautifully renovated twin home on Church Street—perfectly positioned just steps from Bridge Street, Phoenixville’s vibrant hub of dining, cafés, boutique shopping, and year-round events. From popular First Fridays to lively weekends, this is where the town truly comes alive. A charming covered front porch invites you inside to a spacious, light-filled interior featuring updated laminate flooring and fresh paint throughout. The main living area is warm and inviting, highlighted by a stunning stone gas fireplace with a wood mantel—perfect for cozy evenings at home. The open flow continues into the dining area and an updated kitchen featuring granite countertops, gas cooking, and a convenient breakfast bar—ideal for casual dining and entertaining. A stylish first-floor powder room showcases a unique vintage-inspired vanity crafted from an antique icebox door, adding character and charm. Upstairs, the second and third floors feature all-new flooring, updated lighting, and re-done closets throughout. The second level offers two generously sized bedrooms and a beautifully renovated full bath with elegant tilework and a sleek Wi-Fi-enabled mirror. The third floor provides two additional spacious bedrooms, offering flexibility for guest space, a home office, or creative use. Subtle “vintage 2026” touches can be found throughout, including thoughtfully repurposed details like a classic glass doorknob accent—blending timeless character with modern updates. The fenced backyard offers space to relax or entertain, while the lower level includes a utility area, ample storage, and convenient exterior access—making everyday living easy and efficient. Extensive upgrades include new siding, doors, lighting, and more, with a full list of improvements available. Unbeatable location. Exceptional updates. Effortless Phoenixville living—just steps from it all.
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.
