Must-See! Serene Colonial Home with Unobstructed Country Views in Bangor, PA Act fast! Possibilities for a private, spacious home with permanently protected country views like this are rare and don't last long. Welcome to your peaceful retreat at 95 Benns Hill Road. This classic colonial home, built in 2001, offers an incredible sense of privacy on a generous 2.36-acre lot in an extremely quiet and desirable neighborhood. The picturesque view is guaranteed to remain unspoiled, as the open fields across the street are protected from future development. While you'll enjoy the secluded setting, essential town amenities and all your shopping needs are conveniently just a 15-minute drive away. This residence is impressively spacious, featuring 4 bedrooms, 2 full bathrooms, and 2 half bathroom, providing ample accommodation for a large family or easily hosting multiple guests. The main level boasts a desirable open concept design with brand new vinyl plank flooring flowing seamlessly from the living room into the kitchen. The kitchen is a chef's delight, offering a breakfast nook, abundant cabinet and counter space, and a suite of black appliances, including a side-by-side refrigerator with ice/water dispenser, a glass-top electric range with oven, and an overhead microwave and dishwasher. The convenient half bath is located just off the kitchen. The home boasts 2,984 square feet of above-grade living space, complemented by an additional 470 square feet of finished area below grade. This partially finished basement is highly versatile, perfect for conversion into a dedicated game room, a cozy small living space, or a home exercise area. The second half bath is also located here. Outside, the property is designed for enjoyment and practicality. The exterior features attractive and durable vinyl siding, setting a welcoming tone. The outdoor living space is a true highlight, featuring a wrap-around oversized rear deck—the perfect spot for dining, relaxing, and enjoying the beautiful views. The expansive backyard is an ideal outdoor oasis for hosting parties, picnics, and family gatherings, offering plenty of room for recreation. A very large driveway ensures easy parking and accommodation for multiple cars. For utility, the home is equipped with efficient oil heating, central air conditioning for comfort in every season, a private well, and a septic system. Furthermore, the location provides excellent proximity to all schools within the Bangor School District, along with many local daycare facilities. Don't wait and miss this fantastic opportunity. Chances to own a private, spacious home with permanently protected country views like this are rare and don't last long. Schedule your private tour today. Professional photos are scheduled for next week.
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.
