Some homes check boxes. This one rewrites the checklist entirely. 🏡✨ Welcome to 56 Brearly Drive — a stunning 3-bedroom, 2.5-bath colonial nestled in the sought-after Wyndam Hill neighborhood of Winslow Township, where every detail has been thoughtfully curated and no corner was left untouched. With 3,224 sq ft of total living space (including a finished basement), a 3-car garage, and upgrades throughout, this home is the total package. From the moment you arrive, curb appeal does the talking — a charming covered front porch, fenced front yard, brand new black windows, sliders, doors & gutters, and fresh exterior finishes give this colonial serious character before you even step inside. Cross the threshold into a beautiful foyer that sets the tone immediately. Hardwood floors flow through the main level as you move from the inviting living room through dramatic barn doors into the formal dining room — a showstopper in its own right with a custom ceiling, stunning built-in cabinetry, and a space that was made for memorable dinners. New switches, outlets, and light fixtures throughout ensure every room shines bright. The eat-in kitchen is a chef's dream — butcher block counters, a sleek stainless appliance package, bold modern cabinetry, and a checkered tile floor that oozes personality. It opens seamlessly to the family room, creating that perfect connected flow for everyday living and entertaining alike. Need more storage? A dedicated pantry/laundry room right off the kitchen keeps everything organized and accessible. 🍽️ Upstairs, a dramatic 2-story staircase makes a statement as you head to the sleeping quarters. The primary bedroom is its own retreat — enter through double doors into a spacious sanctuary featuring a massive walk-in closet... with a hidden closet INSIDE the closet 🤫 (yes, you read that right — your wardrobe just found its forever home). The primary bath offers a soaker tub and stall shower and is a blank canvas ready for your personal touch — the bones are incredible, the vision is yours. Two additional bedrooms and an updated full hallway bath round out the upper level beautifully. Head downstairs to a finished basement (approx. 900 sq ft!) complete with an office space and a pantry — perfect for a media room, game room, gym, or all three. 🎮🏋️ Step outside and the backyard living begins. A rear deck, two gazebos, fenced yard, a shed, and fruit trees make this outdoor space a true extension of the home — your own private retreat all season long. 🌳🍑 And the location? It doesn't get more connected than this. 📍 Hop on the AC Expressway and you're minutes from New Jersey's world-famous shore points and beaches. Route 295 North puts you on a straight shot through major South Jersey towns and continuing toward New York, while 295 South delivers you right to Delaware. Prefer the city? Route 42 takes you directly into Philadelphia — no fuss, no detours. Whether you're commuting, weekend tripping, or just running errands, this address works hard for you. You're also right in the heart of the Cross Keys shopping corridor and just a short drive to the Gloucester Premium Outlets — dining, shopping, and entertainment are all at your fingertips. 🛍️🌊🏙️ This is Wyndam Hill living at its finest — a home with the space, style, and soul that doesn't come around often. 📞 Schedule your private tour today before someone else calls it home. Professional pics coming soon!
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.
