Welcome to this beautifully designed two-story home in the highly sought-after community of Winding Hills, ideally located on a quiet cul-de-sac street and backing to a peaceful wooded setting with a small meandering stream. The rear yard offers a private, nature-filled backdrop—providing the perfect balance of neighborhood living and backyard serenity. Custom built by E.G. Stoltzfus Homes, this thoughtfully crafted residence offers 4 bedrooms and 3½ baths, including two primary bedroom suites—one on the main level and one on the second floor—making it ideal for flexible living arrangements or multi-generational needs. A charming covered front porch invites you to relax with your morning coffee, while the rear paver patio courtyard provides a beautiful space for outdoor entertaining or quiet evenings surrounded by stunning landscaping that is just beginning to bloom. Inside, the welcoming great room features hardwood floors, built-in bookcases, and a gas fireplace. The main level showcases high ceilings and elegant rounded door openings that add architectural character throughout the home. The kitchen is designed for both function and style with a center island, quartz countertops, tile backsplash, tile flooring, and a large walk-in pantry. The main-level primary suite features a vaulted ceiling and large windows overlooking the tranquil backyard setting. A convenient first-floor laundry room supports comfortable one-level living. The finished lower-level recreation room offers additional living space for hobbies, games, or media, along with abundant storage throughout the home. Located on the edge of Mechanicsburg, the Winding Hills community is known for its exceptional amenities and natural beauty, offering open green spaces, scenic walking trails, bike paths, and wooded areas in a thoughtfully planned neighborhood with landscaped boulevards. Residents also enjoy access to a community building, saltwater pool, and fitness center. This exceptional home combines quality craftsmanship, thoughtful design, and a picturesque setting—truly a pleasure to show.
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.
