Welcome to this stately two-story home in Bethel Township, surrounded by peaceful countryside views. Set on 2.093 acres, this property offers serenity, and space to breathe while remaining close and convenient to town. Step inside to a grand two-story entryway that sets the tone for the craftsmanship throughout. The home features a formal living space (or flex room), and a large formal dining room in the front of the home. Enjoy a dramatic great room highlighted by a stone fireplace, built-in shelving, and cathedral ceilings finished in knotty pine adding warmth, character, and architectural depth. The kitchen showcases rich hickory cabinets, mirrored in the oversized first-floor laundry room. New main level LVP flooring and abundant natural light complement the home’s stately feel. The first floor primary suite offers a sunken tub, large walk-in shower, and a *not to be missed, walk-in closet. Upstairs, three bedrooms each with its own private entry to a full bathroom. Additional bedroom on main level currently being used as office, but a great guest room. Enjoy the outdoors from the Champions insulated sunroom or the brand-new front porch (2025). Oversized attached two car garage, with additional space in your detached two car garage. Additional recent updates ensure peace of mind, including fresh paint, new gutters/ downspouts (2025), roof (2019), water heater (2021/2019) and fresh landscaping. Home features two HVACs and two water heaters for efficiencies. A rare combination of privacy, elegance, space, and craftsmanship—this countryside retreat delivers luxury living with modern convenience in an extraordinary setting. Video tour > https://youtu.be/fzVOM1p8ayM
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.
