6640 Baybrook Ct Middletown, OH 45044
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About this home
Welcome home! This 3 bed, 3 bathroom home is a gem! Located in Middletown, Warren County and served by Lebanon Schools. A first floor primary bedroom, 2 bedrooms upstairs with impressive walk-in closets and more room in the basement! Enter to find a well-lit two story entry. To the left is the kitchen with room to eat if you wish, a pantry and plenty of storage. Look from the kitchen into the dining room & family room. The dining room and family room space have great natural light and a fireplace as well as access to the rear patio where you will enjoy quiet nights or mornings enjoying the colors of the leaves or spring and summer blooms. Back inside, to finish out the first floor is the primary bedroom with two large closets and a conveniently located full bathroom with dual sinks. Upstairs the two bedrooms offer large walk-in closets making sure storage is not an issue in this house! There is also a full bathroom with tub & shower. Laundry & utilities are located in the basement which is nice & bright thanks to fresh white paint. There is also a Bonus Room currently being used as a bedroom that includes a closet and a full bathroom. This space can meet your needs for a home office, hobby space, guest space or additional living space. A 2 garage attached garage, convenient location and mature trees in the backyard complete this great house ready for you to make it your home! Updates include Dishwasher (2025), Air conditioning (2023), Water Heater (2023).
Source: DAYTON #945635
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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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