Two Homes. One Magical Property. Unlimited Possibilities. Nestled deep in the tranquil hush of Biglerville’s legendary apple country, 502 Celebration Hill isn’t just a place to live—it is your own private eight-acre sanctuary. If you have been searching for a property that can effortlessly adapt to your biggest dreams, this is the countryside retreat you have been waiting for. Whether you are looking for a true multi-generational estate, a luxury guest house for friends, a built-in "house-hacking" rental stream, or a breathtaking venue for intimate weddings and retreats, this property flexes to fit your vision. Home 1: The Swanky, Fully Remodeled Farmhouse: Stepping into the main residence feels like a warm embrace. Seamlessly blending historic 1920s character with high-end 2024 luxury updates, this 5-bedroom, 2.5-bath farmhouse is completely move-in ready. The Heart of the Home: A spacious, sun-splashed eat-in kitchen, with newer stainless appliances, flows beautifully into a dining area made for everyday life and holiday hosting. Cozy Evenings: Gather for movie nights in the living room, anchored by a beautiful gas fireplace and carved mantle. Main-Level Luxury: Features a convenient entry-level bedroom and an updated full bath boasting a massive step-in rainfall shower with body jets—saving you trips up the stairs and offering a spa-like escape. The Upper Levels: Four comfortable, freshly carpeted bedrooms await upstairs. The second-floor full bath looks like it was plucked straight from the pages of Better Homes & Gardens, featuring a stunning freestanding soaking tub designed to melt your worries away. Need more space? A massive, walk-up attic stands ready to become your dream gaming lounge or reading nook. Bonus Work Space: The basement features a professionally finished office, perfect for running a home business, a massive pantry, or specialized storage. Home 2: The Modern-Rustic Ranch House. Just a short stroll away sits the second residence—a beautifully updated, modern-rustic 4-bedroom, 2-bath home that balances warmth and function. Flooded with natural light, it features a bright great room and a gorgeous kitchen complete with rich wood cabinetry, tile backsplash, and a custom plank ceiling. Warm up on chilly nights by the wood stove, and open the windows to let the apple-sweet country breeze drift through. It even features a charming clawfoot tub! An Unrivaled, "Insta-Worthy" Setting. Outside, the landscape unfolds like a natural stage. Mornings start with coffee on the patio as the mist rises over your private, koi-stocked pond, where the weeping willow branches gently sway. The expansive, flat lawn is purpose-built for life’s big moments—milestone parties, field games, or the ultimate family reunion. As the sun goes down, gather friends around the stone fire pit for stories under the stars. The Homestead Heartbeat: For those dreaming of a mini-farm or sustainable lifestyle, the infrastructure is already here. With fenced paddocks, a stable/run-in barn, and a dedicated goat barn, there is plenty of room for horses, alpacas, chickens, or goats to roam under the shade of the mature trees. With a recent price adjustment to $895,000, this rare compound offers unparalleled value and a lifestyle you simply cannot replicate. Don't miss your chance to own this piece of paradise—schedule your private tour today!
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.
