Nestled on a serene cul-de-sac in Ellicott City, 11229 Kinsale Court is a distinguished residence by Winchester Homes, masterfully sited on 0.82 acres backing to preserved land for enduring privacy and picturesque views. With 6 bedrooms, 6 full baths, and 1 half bath, this exceptional home offers three private primary ensuite retreats, refined architectural detailing, and thoughtfully curated upgrades throughout. A welcoming portico, professional landscaping with graceful weeping willows, and elegant stone, brick, and Hardiplank exterior create striking curb appeal. Slate front and sidewalks, a fully fenced rear yard with two gates, in-ground irrigation, exterior cameras with Guardian app access, and a Generac Guardian generator servicing the main level provide both beauty and peace of mind. The rear oasis features a composite dining deck, stone patio with curved garden walls, and a screened porch—all backing to preserve land with ample space for a future in-ground pool. Inside, the grand two-story foyer showcases a curved staircase, new chandelier (2026), hardwood floors, and decorative columns that elegantly define the formal living and dining rooms. The formals are appointed with multi-piece crown molding, box moldings, a bay window, custom silhouette blinds, and integrated speakers. The soaring two-story family room is wrapped in stacked windows and centered around a natural gas fireplace with mantle. Open to the expansive breakfast area and gourmet kitchen, this space is designed for both everyday living and grand entertaining. The oversized kitchen is a chef’s dream, featuring a six-burner gas cook station with downdraft on the island, granite countertops, wrap-around cabinetry, planning desk, walk-in pantry with customized pull-out drawers, stainless steel appliances, new dishwasher (2022), new double wall oven (2025), and fresh paint (2026). Filtered water services the sink and refrigerator. An adjacent secondary back stair and second main-level laundry enhance convenience. The main-level primary suite (one of three) offers a private retreat with dual organized closets, a spa bath with clerestory windows, and integrated speakers—ideal for multi-generational living or luxurious guest accommodations. Upstairs, all bedrooms feature hardwood flooring. The upper-level primary suite (two of three) impresses with a tray ceiling, sitting area, sweeping bay window, oversized dressing closet with window, second walk-in closet, and proximity to the hall laundry center with utility sink and secondary stair. The primary bath showcases separate vanities, new quartz countertops, new faucets, and lighting (2026.) A walk-in shower, corner soaking tub, and dual filtered water stations enhance the bath. Additional upper-level bedrooms include a private ensuite and two generously sized rooms, one ideal as a study. The finished walk-out lower level is designed for entertaining and extended living, with full daylight windows and engineered wood floors. The recreation and media area flows seamlessly to the dining space and an impressive wet bar with full back bar, wrap-around seating, full refrigerator, stainless sink, ceramic tile flooring, and atrium access to the patio and screened porch. Two full baths serve this level. The third primary ensuite—currently used as an exercise room—features a walk-in closet and private bath. A flexible bonus room with French doors and built-in storage offers endless possibilities. Additional highlights include two laundry centers, natural gas heating and hot water, central AC, interior speaker system, purified and filtered water service by National Water, proactive pest control, and an epoxy-finished three-car side-loading garage with built-in shelving. An extraordinary offering combining timeless elegance, modern functionality, and serene privacy—11229 Kinsale Court is luxury living at its finest.
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.
