Back on the market with a Brand New Roof! Welcome home to this spacious 5 Bedrooms, 2.5 Baths, with over 4,000 Sq Ft of living space, located in Douglass Township within the Boyertown SD. This home blends classic charm with the flexibility today’s buyers crave. A brand‑new roof, a huge finished third floor, and a 1 year Home Warranty makes this home both move‑in ready and uniquely inviting. Inside, a welcoming two‑story foyer sets the tone. The main level features a large living room ideal for quiet moments or entertaining, a spacious family room for everyday living, and a beautifully appointed eat‑in kitchen with granite countertops and stainless steel appliances. The formal dining room, conveniently located just off the kitchen, makes hosting feel effortless. A laundry room and half bath complete this level. Upstairs, you’ll find four generously sized bedrooms, including a primary suite with an ensuite bath, plus a full hall bathroom. Head up one more level to discover the true standout: a massive finished third‑floor bedroom, offering endless possibilities—guest suite, creative space, teen retreat, or even the option to divide into two rooms. The finished basement adds yet another layer of versatility, providing additional living space that easily adapts to your lifestyle—playroom, home gym, media area, or workspace, the options are endless. Outside, unwind on the large composite deck, cool off in the above‑ground pool, and enjoy the privacy of a fully fenced backyard—perfect for gatherings, quiet evenings, and everything in between. With its generous square footage, recent updates, and flexible layout across multiple levels, this home is ideal for those who need room to grow, work from home, and truly spread out. Homes with this finished space, a brand‑new roof, and a 1 year Home Warranty don’t come around often—schedule your showing and experience it for yourself.
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.
