One or more photo(s) has been virtually staged. Welcome to this beautifully upgraded 2022 Lennar Harrisburg model, offering 4 bedrooms and 2 bathrooms with a bright, open-concept layout designed for both everyday living and effortless entertaining. From the moment you walk in, you’ll notice the abundance of natural light, modern finishes, and thoughtful upgrades that make this home truly move-in ready. The spacious kitchen serves as the heart of the home and features hardwood cabinets with upgraded hardware, a stylish upgraded backsplash, a large stainless steel basin sink, and stainless steel GE appliances. The oversized island provides plenty of space for meal prep, casual dining, or gathering with family and friends, while the open layout allows the kitchen to flow seamlessly into the dining and living areas, creating a warm and inviting atmosphere. Throughout the home, new light fixtures and ceiling fans have been installed to enhance both comfort and style. Both bathrooms showcase quartz countertops paired with updated modern faucets, adding a clean and polished look. The primary suite offers a relaxing retreat, complete with a spacious layout and an upgraded shower head with built-in filtration, providing a spa-like experience. Step outside and enjoy the added privacy of having no rear neighbors. The backyard has been thoughtfully enhanced with several upgrades including new gutters, a fully installed vinyl fence with gates, and photosensitive exterior lighting that automatically illuminates the property in the evening. A Ring doorbell and floodlight camera in the front of home provide added security and convenience, while the 4-inch slab screened lanai creates the perfect space to enjoy morning coffee, unwind after a long day, or entertain guests outdoors without worrying about the elements. Additional conveniences include a garage door opener that can be controlled directly through the MyQ app, making access simple and secure. The home is also equipped with solar panels designed to help reduce monthly energy costs and improve overall energy efficiency. As part of a well-maintained community, residents enjoy access to fantastic HOA amenities including a resort-style community pool with splash park, a fully equipped fitness center, dog park, and multiple playgrounds, providing something for everyone to enjoy without ever leaving the neighborhood. With modern upgrades, energy-efficient features, and access to outstanding community amenities, this home truly offers comfort, convenience, and value all in one. Schedule your private showing today and come see everything this exceptional home has to offer!
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.
