Not your ordinary 4BR, 2.5BA Brick Colonial.......Perched on a picturesque 1.5 acre lot in the sought-after Dallastown School District, this true Colonial stunner blends timeless craftsmanship with modern updates. From the moment you arrive, the charm of the full brick exterior and expansive covered front porch, with serene views, sets the tone. Inside, a massive family room steals the show with rich brick flooring and an impressive wood-burning brick fireplace—perfect for intimate gatherings or gracious hosting. The heart of the home is the stunning custom Weir kitchen, showcasing granite countertops, a center island, ample cabinetry, and a convenient pass-through bar that connects to the dining room for effortless entertaining. Doors from the kitchen and dining room lead directly to a generous patio and pool area, ideal for outdoor dining and entertaining. The first floor also offers a versatile office or additional living space, along with a thoughtfully located powder room, with laundry closet, for main-level convenience. Upstairs, the spacious primary suite is a true retreat featuring a walk-in closet, full bath, and a second wood-burning brick fireplace. Three additional generously sized bedrooms, offering abundant natural light, are located on the 2nd floor along with a full bath and ample closet storage space. Looking for room to grow? The unfinished lower level offers even more potential and includes a third wood-burning brick fireplace, ideal for future expansion. Outdoors, enjoy your own private oasis with an inground pool, oversized 3-car end-load garage, and ample driveway parking with turnaround. The property adjoins 52 acres owned by the Dallastown School District, offering access to scenic walking trails right out your front door. Located just minutes from I-83 via Leader Heights or Loganville exits—perfect for commuters (especially Maryland). This exceptional home offers character, space, and location—schedule your private tour today! New Roof (2005), Replacement Windows (2015), New Weir Kitchen (2015), New Furnace and AC (August 2022), New Driveway (2023), New Water Heater (July 2025), 6" Wall Construction, Insulated Attic. AGENTS - Please 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.
