Welcome to your own storybook home, where timeless charm meets beautifully landscaped grounds on nearly one-third of an acre. Surrounded by mature shade trees, colorful perennial gardens, and inviting outdoor spaces, this charming 4-bedroom, 2-bath brick Cape Cod offers the perfect blend of character and thoughtful updates. Inside, gleaming hardwood floors, fresh paint, and an open, welcoming floor plan create a warm and inviting atmosphere. The beautifully updated kitchen features custom sage green cabinetry, stainless steel appliances, a brand-new dishwasher, granite countertops, and an open-concept design that flows seamlessly into the dining and living areas, perfect for both everyday living and entertaining. The living room is the heart of the home, showcasing a stunning custom built-in library with window seating and an electric fireplace, creating the perfect place to curl up with a good book or gather with family and friends. Step outside to your own private backyard retreat, complete with a pergola-covered patio, built-in fire pit, raised garden beds, mature trees, and a detached storage shed. Whether you're hosting summer cookouts, tending to the gardens, or simply relaxing under the shade, this outdoor space was designed to be enjoyed year-round. The thoughtfully designed gardens feature a beautiful mix of native and ornamental plantings, including hydrangeas, bee balm, spotted Joe Pye weed, echinacea, hostas, roses, yarrow, goldenrod, mountain mint, lamb's ear, passion flower vine, and seasonal blooms that create year-round color while attracting butterflies, hummingbirds, and other pollinators. Raised garden beds are ready for your homegrown herbs and vegetables and already include rosemary, basil, oregano, thyme, tomatoes, squash, broccoli, and brussels sprouts. Recent updates include a new high-efficiency heat pump system offering energy-efficient heating and cooling, a 2022 hot water heater, and a brand-new dishwasher, providing peace of mind for years to come. Conveniently located near I-70, I-81, and US-40, this home offers easy access for commuters while placing you just minutes from everything Hagerstown has to offer. Spend weekends exploring Hagerstown City Park with its scenic walking paths, lakes, playgrounds, paddle boats, and the Washington County Museum of Fine Arts. Nearby Fairgrounds Park and Doub's Woods Park provide even more opportunities for outdoor recreation. Downtown Hagerstown continues to flourish with locally owned restaurants, breweries, boutiques, and charming coffee shops like Cannon Coffee and Next Chapter Café & Bookshop. Enjoy dinner at favorites like Broad Axe and Rik's Café, catch a performance at The Maryland Theatre, or cheer on the Flying Boxcars at Meritus Park. Offering timeless character, modern updates, exceptional outdoor living, and a location close to parks, dining, shopping, entertainment, and major commuter routes, 843 Jefferson Boulevard is the perfect place to call home. Schedule your tour today! *Please note that Ring security cameras are installed on the property.
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.
