Welcome to 914 Avenue D. If you are looking for a home that has it all, look no further. Curb appeal and an impressive amount of yard space. Plenty of off-street parking, enough for aprx 6 cars and flower/plant beds that add to the beauty. This home paints the picture you have been dreaming of. Inside you will find a bright living room with bay window looking out in the yard and a pellet fireplace adding to the charm. Picture yourself reading a good book and watching the snowfall cover the ground, or watch storms roll through in the summer. The formal dining room is next to the kitchen, an inviting floorplan for when you host dinner guests or the perfect space for quiet meals after a long day. The eat-in kitchen is BRAND NEW and complete with tasteful finishes. Stainless appliances, quartz counters, thoughtful cabinetry and custom tile backsplash. Room for a cozy breakfast nook or café area next to the large windows that brighten up the room and peer out to the large deck and backyard. Don’t miss the large family room with hardwood floors, brick fireplace and mantle. The dark flooring/wainscoting give the room a sophisticated yet cozy feel. Off the family room is a powder room, laundry room and access to the BRAND NEW (Trex )deck and large, level backyard. Entertain, play, dine al-fresco, garden and relax. There is room for it all. Upstairs find four generous sized bedrooms – The largest with hardwood floors and walk in closet space. In addition an updated hall bathroom with newer bathtub, finishes and vanity. Come see it for yourself, move in and make the space your own. Fantastic location with easy access to major roads, highways and shopping. The roof was replaced in 2018. Water heater was replaced in 2020. Heater was replaced in 2025.
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.
