Welcome to 10 Mitnick Court, a well-maintained 3-bedroom, 1.5-bath townhome tucked away on a quiet court in the heart of Carney. Offering a spacious layout, comfortable living spaces, and an unbeatable location, this home is ideal for first-time buyers, move-up buyers, downsizers, or anyone seeking low-maintenance living with convenient access to everything Baltimore County has to offer. Step inside to a bright and inviting main level featuring durable flooring, neutral paint tones, and an open-concept living and dining area designed for both everyday living and entertaining. Large windows fill the home with natural light, creating a warm and welcoming atmosphere from the moment you enter. The kitchen offers an abundance of solid wood cabinetry, generous counter space, stainless steel appliances, and a functional breakfast bar, making meal preparation and casual dining effortless. Upstairs, you'll find three generously sized bedrooms and a full bathroom, providing comfortable accommodations with flexibility for guest rooms, a home office, or additional living space. A convenient lower-level powder room adds everyday functionality for both residents and visitors. The lower level offers additional flexible living space with endless possibilities. Whether you envision a recreation room, media room, home gym, playroom, office, or simply need additional storage, this versatile area is ready to accommodate your needs. Conveniently located in a well-established Baltimore County community, this home is just minutes from shopping, restaurants, parks, schools, grocery stores, and major commuter routes including I-695 and I-95. Enjoy quick access to White Marsh, Towson, and downtown Baltimore while appreciating the peaceful setting of this tucked-away neighborhood. Combining space, comfort, convenience, and value, 10 Mitnick Court presents an exceptional opportunity to own a move-in-ready home in one of Carney's most desirable locations. Schedule your private tour today and discover everything this charming townhome has to offer!
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.
Yes. Non-veterans can assume a VA loan, provided they meet the lender’s VA criteria. When a qualified buyer assumes a VA mortgage from a veteran or active-duty service member, the seller’s VA loan entitlement remains tied to the assumed loan until the buyer pays off or refinances the loan. This process restores the veteran seller’s entitlement, enabling them to use their VA benefit for a future home purchase.
Yes. All FHA loans are assumable by law as long as the buyer meets the FHA’s credit, income, and qualification requirements and obtain lender approval before assuming the loan (per FHA regulations effected December 15, 1989). Roam makes this process simple for buyers.
Generally, conventional loans are not assumable. In rare cases, a conventional loan may be assumable with lender approval. Use our search tool to find homes with assumable low-rate loans, or reach out to us if you’d like to confirm a specific home’s assumability.
