Welcome home to this charming Enola gem in Queens Court- where your next chapter begins! 96 Queen Ave is ready for its next owner! Someone excited to plant new roots and bring even more warmth into this inviting space! With a beautiful blank canvas, this home is full of opportunity to make it truly your own. The spacious living area invites cozy nights on the couch or gatherings with friends, creating the perfect setting for everyday living. Just beyond, you’ll find a dedicated dining space with plenty of room for a larger table; ideal for hosting holidays, celebrations, and meaningful moments together. The refreshed kitchen offers the perfect blend of style and function, ready for your first home-cooked meals and Sunday morning pancakes. Just off the kitchen, a convenient half bath and laundry area add functionality, with plenty of potential to infuse your own personal style. A standout feature of this home, unique to Queens Court, is the beautiful sunroom located off the dining area. Complete with heating and cooling, this space sets the tone for slow mornings with coffee in hand, peaceful evenings unwinding, or hosting loved ones year-round while overlooking your large fenced-in backyard and upper garden space. Upstairs, the oversized primary bedroom provides a calming retreat at the end of each day, offering plenty of room to recharge along with generous storage, including two closets. An additional bedroom offers flexibility for family or guests, a home office, or future growth. The full bathroom features a walk-in stall shower with built-in bench seating. With convenient location off Route 11, you can get to Mechanicsburg/Carlisle or Harrisburg area with ease! Whether you're buying your very first home or simply searching for a place that feels just right, this property offers the perfect blend of comfort, space, and the opportunity to begin your next chapter.
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.
