125 S Miami St West Milton, OH 45383
Your savings
About this home
NOTE!!! Two brand Carrier new high efficiency HVAC units were installed just for you and your year round comfort! This Victorian charmer is an artful blend of it's true character melded with the modern conveniences that you expect. From the cut stone steps, to the beveled glass in the front door, you are escorted into the formal parlor. The pocket doors escort you into the living room with gleaming hardwood flooring. The dining room is accented with a coffered ceiling and built in cabinetry with French doors to the deck. The modern kitchen offers ample counterspace to prep for your largest gatherings with ease. Don't miss the dog wash station (No dog? It's a great mop sink!) which will make bath time a breeze. Up the open staircase, you will discover large comfortable bedrooms, each complete with an oversized closet for the era ~ they are even large by today's standards! The bathrooms are quite luxurious for your relaxation time; downstairs you will enjoy the walk in tub complimented by heated flooring and ceiling heat on timers. Upstairs the spa like bathroom offers a jetted soaking tub for when it's time to unwind. The HVAC systems are zoned for each level to enhance your comfort and energy efficiency The partial basement, complete with secondary outside entry, offers plenty of storage space; the HVAC for the first floor is located there. Still hoping for even more space? There is a walk up attic to use as you wish; you will find the second HVAC system there. Outdoors, you'll enjoy the lush landscaping highlighted by a deck, a paver patio (wired for your hot tub!), a garden swing, shed, and raised garden. The historic carriage house (garage) is electrified and features a loft for extra storage. Please be sure to review the separate list of Features that detail the numerous special touches and incredible care this property has received to make it ready for you to enjoy. The attention to detail and the extras are sure to impress even the most insightful visitor.
Source: DAYTON #936320
Loan details
Neighborhood
45-day close guarantee
Close stress-free in 45 days, handled start to finish by Roam.
Roam Price Match
If you find a better price on any home, we’ll match it.
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.