3231 Vineyard St Springfield, OH 45503
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About this home
Sparkling Bi-Level in Northern Estates! Shining brightly this multi-level home has had an exterior improvement of fresh paint & trim accents to catch your attention! Relax on the front patio with morning coffee and evening conversations. This beautifully updated 4-bedroom, 2 full bath home is packed with upgrades and ready to impress. Including close distance to the reservoir for nature walking and more, this home comes with a lifestyle opportunity! Enjoy plenty of shopping and restaurants in the area. Close proximity to Kenton Ridge Campus/Northeastern Local School District. Northern Estates also offers the perfect walk-ability neighborhood. Step inside to discover upgraded hard surface and carpet flooring (2022), a bright living room, and an eat-in kitchen perfect for gatherings. The upper level features two spacious bedrooms and a fully renovated bath. Use the multilayered floorplan to suit your lifestyle needs. Extend the dining area from the kitchen to the front room, make a formal gathering spot upstairs. Easy access to the deck for grilling and chilling from the kitchen area. The lower level offers two additional bedrooms that can easily flex as a home office, rec room, or guest space—plus another full bath with a walk-in shower and a convenient laundry area. Good storage from room to room depending on your layout choices. Major capital improvements include a new hot water tank and garage door (2024), new windows with a lifetime transferable warranty (2023), and central air (2022). New service door from garage to backyard (2025). Front porch overhang roof (2025). All interior freshly painted (2025) Enjoy outdoor living on the deck overlooking a fully fenced backyard. The attached 2-car garage provides ample storage and convenience. Move-in ready and full of modern comfort—don't miss this one.
Source: COLUMBUSOH #225038383
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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.
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