11524 State Route 50 Chillicothe, OH 45601
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About this home
Welcome to this charming two-story home that perfectly blends comfort and style. Boasting four spacious bedrooms and a well-appointed bathroom, this home features a large inviting entryway with an open-concept layout. The kitchen offers loads of counter space, 5 stool breakfast bar, cozy window seat and seamlessly flows into the family room and living room area, making it perfect for entertaining or spending quality time with loved ones sitting by the fireplace. For convince you will love the 1st floor bedroom with walk in closet. The second level is equipped with double bunk beds, and 2 additional bedrooms perfect for guests or family, and you'll love the elegance of hardwood floors on the first level (also under the carpeted area) So many charming features include sliding barn door separating the entry and family room, built ins, crown molding, shiplap on accent walls, and a cute laundry room with built in cabinets. The home sits on almost half an acre with beautifully updated landscaping, a stunning flower garden, rear deck and additional sitting areas for campfires. Did I mention the new privacy fence dividing the neighboring property for privacy? Don't miss this darling home that will melt your heart!
Source: COLUMBUSOH #225031714
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FAQs
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.
Roam is committed to and abides by the Fair Housing Act and Equal Opportunity Act.