Discover the charm, space, and warmth of this beautifully crafted 3 bedroom, 3 bathroom all-brick ranch, perfectly positioned in the heart of Washington and designed for comfort, character, and everyday living. From the moment you arrive, this home welcomes you with timeless curb appeal, a generous quarter-acre lot, and a wraparound porch that sets the tone for the inviting atmosphere inside. Step through the front door into an open, comfortable main level where vaulted ceilings immediately create a sense of height and openness. Natural light fills the living area, highlighting the freshly painted walls and updated trim that give the home a clean, refreshed, move-in–ready feel. The spacious living room is centered around a cozy wood-burning fireplace, perfect for cold evenings, gatherings, or simply enjoying a quiet night at home. The combination of warmth, natural light, and architectural charm creates a space that feels welcoming from the very first moment. The thoughtfully designed kitchen is another standout. A beautiful backsplash adds a stylish touch, while the generous layout offers ample cabinetry, counter space, and room to create the island you’ve always imagined. Whether cooking a quick dinner, hosting, or preparing meals, this kitchen is designed for everyday comfort and easy entertaining. Its size, flow, and potential make it a space you will enjoy customizing and using for years to come. All three bedrooms are comfortably sized and designed to offer peaceful, private retreats. The primary suite provides the space, privacy, and comfort homeowners appreciate, complete with its own attached bathroom. Each of the three full bathrooms throughout the home is well-appointed, offering convenience for daily routines. One of the most appealing features of this home is the fully finished basement, an expansive extension of the main living area, ideal for those who enjoy hosting or need flexible space. With a wet bar already in place, the lower level is perfect for gatherings, game nights, celebrations, or creating a cozy secondary living room. This area can easily be tailored to your needs, whether you envision a home theater, playroom, office, gym, or hobby space. For those needing extra room for cars, tools, equipment, or storage, the oversized tuck-under two-car garage is a major asset including staying out of the snow and rain! While the interior offers comfort and flexibility, the exterior spaces are equally inviting. The wraparound porch is truly one of this home’s signature highlights. Whether you prefer sipping morning coffee, relaxing in the afternoon, or enjoying quiet evenings outdoors, this space becomes a natural extension of your living area. The generous quarter-acre lot offers room for gardening, play, entertaining, or simply enjoying the open yard. With plenty of outdoor space and a porch designed for gathering, this property enhances everyday living and invites you to slow down and enjoy the moments that matter. Location is another huge advantage. Being in the heart of town means you’re within walking distance to schools, close to parks, and just minutes from downtown Washington’s shopping, dining, and local favorites. The combination of convenience and community makes this property ideal for anyone wanting to stay close to daily essentials without sacrificing a quiet, welcoming place to call home. Together, these elements create a classic, clean, and warm environment ready for you to add your personal style. Schedule a Showing now!
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.
