Welcome to 902 Stagecoach Avenue, a thoughtfully designed ranch-style home in Brighton offering full ADA accessibility, spacious living, and a prime cul-de-sac location. Featuring 3 bedrooms and 2 bathrooms, this single-level residence combines comfort, functionality, and a rare level of accessibility throughout. Designed with wheelchair accessibility in mind, the home provides seamless mobility with no stairs and an open, easy-flow layout that enhances both everyday living and long-term flexibility. The interior feels bright and inviting, with spaces that are as practical as they are comfortable. At the heart of the home, the kitchen features a large central island along with new appliances, offering generous prep space, modern convenience, additional seating, and a natural gathering place for entertaining or daily living. The open-concept design connects effortlessly to the main living areas, creating a cohesive and welcoming environment. Situated on one of the largest lots in the neighborhood, the property offers exceptional outdoor space and versatility. Backing to open space, you’ll enjoy added privacy, peaceful views, and a sense of openness rarely found. The expansive yard provides endless potential for outdoor living, gardening, or future customization. Tucked in a quiet cul-de-sac, the setting offers minimal traffic and a more private, relaxed atmosphere. The surrounding community is known for well-maintained homes and welcoming neighborhood feel. Residents enjoy convenient access to local parks, open space, and walking trails, along with nearby shopping, dining, and everyday amenities. With easy connectivity to major commuter routes, you can enjoy a quieter suburban lifestyle without sacrificing convenience. With its rare combination of single-level living, full accessibility, oversized lot, and desirable setting, 902 Stagecoach Avenue stands out as a unique opportunity in today’s market.
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.
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