Welcome home to this charming, move-in-ready 3-bedroom, 1.5-bath Colonial gem at 68 W. Ettwein St. in the heart of Bethlehem, PA – where historic charm meets modern convenience and an unbeatable walkable lifestyle! Offering 1,628 sq. ft. of comfortable living space, this classic home delivers everything that you want: timeless character, fresh updates, and a prime location that puts vibrant Historic Downtown Bethlehem literally steps from your front door. Picture this: brand-new roof for total peace of mind and years of worry-free ownership, plus a bright, functional kitchen upgraded with stainless steel kitchen appliances that makes cooking, hosting, and everyday meals effortless and stylish. Gleaming hardwood floors flow throughout, creating a warm, inviting foundation that’s ready for your personal touches. The well-proportioned main living areas are perfect for family movie nights, holiday gatherings, or relaxed evenings right from day one. Upstairs, all three bedrooms offer a practical, private layout, while the 1.5 bathrooms keep busy mornings and guest visits smooth and convenient. An expandable attic gives you smart storage now – plus exciting future potential to finish for extra living space, a home office, or playroom as your needs grow. This home includes 2 car detached garage which are a huge bonus for secure parking, hobbies, or overflow storage. Efficient gas heating and hot water keep utility bills low and comfort high year-round. The partially fenced yard opens endless possibilities for backyard BBQs, gardening, kids’ play or creating your own private retreat. But the location is the true showstopper – you’re in the heart of it all, with an enviable walkable Bethlehem lifestyle at your fingertips: Enjoy charming boutiques, award-winning restaurants, and cafés all along lively Main Street; Stroll to the world-famous Moravian Book Shop (America’s oldest continuously operating bookstore); Explore the rich history at the Moravian Museum, Single Sisters’ House, and Colonial Industrial Quarter; Catch live music at SteelStacks - ArtsQuest, family fun-filled festivals, walking tours, and the magical holiday lights and Christkindlmarkt of Christmas City USA. This home combines authentic Colonial character, smart modern upgrades and a one-of-a-kind downtown location that most buyers only dream about. Move right in, start enjoying the walkable vibe immediately, and personalize at your own pace. Don’t wait – homes like this in this unbeatable spot sell fast! Schedule your private showing today and make 68 W. Ettwein St. your new address in Bethlehem’s most desirable neighborhood. Your dream lifestyle is waiting!
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.
