Welcome to a home that truly stands out—meticulously maintained by its original owners and ideally situated in the highly sought-after Reserves of Bally Springs within the Boyertown Area School District. This exceptional 4-bedroom, 2.5-bath residence showcases a perfect blend of thoughtful upgrades, timeless style, and everyday functionality. From the moment you step inside, you’re greeted by a bright, open layout enhanced by stunning 20x20 tile flooring that flows seamlessly throughout the entire first floor, creating a clean and modern aesthetic. The kitchen serves as the heart of the home, beautifully appointed with granite countertops, a stylish tile backsplash, newer appliances (2022), and an extended island that offers ample seating and prep space—perfect for both casual dining and entertaining. Custom design elements add character throughout, including shadow boxing in the dining room, shiplap detailing along the stairwell, and a striking accent wall in the kitchen. Comfort and style continue with newer carpet and padding in the family and living rooms (Oct. 2025), along with fresh paint completed throughout much of the home in recent years. The primary suite offers a refined retreat, featuring elegant crown molding, ambient lighting, and a thoughtfully designed closet system. Additional upgraded closet systems in the third and fourth bedrooms (2026) provide both organization and convenience. The finished basement significantly expands the living space, offering a versatile layout that includes a private in-home office, an oversized island ideal for entertaining or workspace, and an abundance of closet storage. A separate unfinished area allows for additional storage and presents the opportunity to add a future half bath. For even more storage flexibility, the space above the garage has been fully floored and is easily accessible from the fourth bedroom—an often-overlooked feature that adds tremendous value and functionality. Step outside to enjoy a fully fenced backyard designed for both relaxation and entertaining, complete with professional landscaping, a spacious patio, a hardscape retaining wall along the walk-out basement, and a newer shed (2021). Recent exterior upgrades, including new front and side doors (2024) and updated masonry steps, further enhance the home’s curb appeal. Located in a vibrant community with amenities such as playgrounds, tennis courts, and basketball courts, this home offers not just a place to live, but a lifestyle to enjoy. Just a short drive to Bally Community swimming pool, local shopping, dining and more! With meticulous care and an impressive list of upgrades already completed, this is a truly move-in-ready opportunity you won’t want to miss!
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.
