Welcome home to this beautifully maintained and stylish upgraded townhome, offering the perfect blend of comfort, convenience, and modern design. From the charming exterior with stone accents to the light-filled interior, this home is move-in ready and truly impressive. Step inside to an open-concept main level filled with natural light from oversized windows. The spacious living room provides an inviting space to gather, while the contemporary kitchen shines with granite countertops, subway-tile backsplash, and an expansive center island ideal for meal prep or casual dining. The adjacent dining area is elevated by a stunning modern LED chandelier and sleek pendant lighting, creating the perfect ambiance for entertaining. The main level also features a convenient half bath and a walkout to the patio, where you can grill, unwind, or simply enjoy peaceful views of the wooded lot. Upstairs, you’ll find three generously sized bedrooms, a laundry room, and a full bath. The primary suite is a true retreat, complete with a large walk-in closet and a luxurious en suite bathroom with double vanity and a 5' shower. The entry level offers even more flexibility with an oversized 2-car garage and a finished flex/gym space, perfect for fitness, a home office, hobby room, or additional storage. Located in a family-friendly community, residents enjoy access to fantastic amenities including a community pool, fitness center, and scenic walking trails., offering two playgrounds, a sensory garden, soccer fields, baseball/softball fields, basketball and pickleball courts, pavilions, and picnic areas, a dream setting for active lifestyles or peaceful outdoor enjoyment. Ideally situated on a cul-de-sac in Hanbury Court in the Winding Hills neighborhood in the Mechanicsburg School District. This home provides easy access to major highways, shopping, restaurants, and everything you need for convenient everyday living. Don’t miss this opportunity to own a modern, move-in-ready home in one of the area's most desirable communities.
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.
