Welcome to 6825 Hunt Drive - an upgraded end-unit townhome in Lower Macungie Township, located within the East Penn School District, offering the space, flexibility, and modern finishes today’s buyers demand. Positioned in The Hills at Lock Ridge, this residence stands out with nearly 3,000 square feet of finished living space, a rare combination of a fully finished basement with full bathroom, and a highly functional layout designed for both everyday living and entertaining. The main level features hardwood flooring, crown molding, and a two-story foyer that creates an immediate sense of openness. The kitchen has been fully updated with quartz countertops, custom cabinetry, stainless steel appliances, and a breakfast bar that connects seamlessly to the living and dining areas - ideal for open-concept living. A key differentiator is the first-floor bedroom, offering flexibility for guests, a home office, or multi-generational living - an uncommon feature in this style of home. Upstairs, the primary suite includes a sitting area, custom walk-in closet, and a fully renovated en-suite bathroom with a soaking tub, tiled shower, and updated finishes. Additional bedrooms and a second-floor laundry area enhance functionality and convenience. The finished basement expands the living space significantly, featuring a large recreation area, bar setup, additional flex space, and a full bathroom - perfect for entertaining, a media room, or extended guest use. Outdoor living includes a private deck and patio overlooking the yard, providing usable outdoor space rarely found in townhome communities. As an end-unit, the property benefits from additional natural light and increased privacy. Additional features include gas heat, central air, attached garage, and an extended driveway accommodating multiple vehicles. This is a move-in-ready opportunity in one of Lower Macungie Township’s most desirable communities, offering a balance of space, upgrades, and location.
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.
