Modern. Warm. Completely Captivating. Your Lusby Retreat Awaits. Tucked beneath the tall pines of Southern Maryland, this fully updated 3-bedroom, 3-bath split foyer is the kind of home that stops you in your tracks the moment you pull into the driveway. From the fresh exterior to the welcoming front porch and stylish glass-paneled front door, everything feels intentionally designed and beautifully maintained. Step inside and the story unfolds—sunlight pours through oversized windows, dancing across rich wood floors on the main level. The partially open floor plan gives you the perfect balance of connected living while still offering distinct, cozy spaces. The living room showcases a stunning feature wall, crown molding, and a cozy gas fireplace—setting the tone for relaxed evenings and effortless entertaining. The adjacent dining area opens to a deck overlooking the fenced backyard, offering privacy and room to play. The kitchen is a true highlight with quartz countertops, a gorgeous subway tile backsplash, stainless steel appliances, and eye-catching two-tone cabinetry that brings a designer feel to the space. Bright, welcoming, and thoughtfully updated, it’s the perfect hub for cooking, conversation, and connection. All three bedrooms on the main level are generously sized and filled with natural light. The primary bedroom is equipped with an luxuriously updated ensuite bath. The hall bathroom serving the two additional bedrooms is equally as impressive! Downstairs, the lower level unfolds into a spacious retreat currently used as the primary suite. With stunning flooring, recessed lighting, built-in workspace, and French doors that open directly to the backyard, it offers both comfort and flexibility. The ensuite bathroom features elegant tilework and modern finishes, giving the space a spa-like sense of calm. This level can easily transform into whatever your lifestyle calls for—an inviting family room, a game or recreation space, or the perfect spot to watch the big game. The possibilities are endless. With a fully fenced yard, tasteful updates throughout, and sunlight filling every corner, this Lusby beauty is truly move-in ready and ready to impress. Come experience the style, the comfort, and the lifestyle. This isn’t just a home—it’s the one you’ve been waiting for and won't last long! Schedule your private showing today.
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.
