5034 Clearcreek Trl Yellow Springs, OH 45387
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About this home
Welcome to this stately 5-bedroom, 3.5-bath brick two-story home situated on a beautiful 1.59-acre lot in Yellow Springs. Offering timeless charm and modern function, this property is designed for both everyday comfort and entertaining. Step inside to find an inviting layout featuring a mix of gleaming hardwood floors and plush carpeting throughout. The spacious kitchen is a true centerpiece, showcasing abundant cabinetry, granite countertops, and an island providing extra workspace and seating — ideal for gathering or meal prep. Adjacent dining and living areas flow seamlessly, offering an open and inviting feel. The expansive primary suite serves as a peaceful retreat with vaulted ceilings and an en suite bathroom complete with a soaking tub, stand-up shower, dual vanities, and a generous walk-in closet. Four additional bedrooms, all carpeted, are located on the upper level, providing plenty of space for family or guests. The full finished walkout basement is an entertainer’s dream, featuring a massive 56' x 30' recreation room with a cozy fireplace and a walkout to the backyard patio. The basement also includes a fifth bedroom, perfect for guests, office use, or a private suite setup. Outdoor living is equally impressive — enjoy the elevated deck overlooking the expansive lawn and mature landscaping. The property also includes both a 2-car attached garage and a 2-car amish built detached garage, offering ample storage and workspace options. With its generous space, thoughtful design, and tranquil setting, this home combines classic craftsmanship with modern conveniences — all just minutes from the heart of Yellow Springs.
Source: DAYTON #945136
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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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