Welcome to 14520 Pebble Hill Lane! Nestled in the desirable Flints Grove community of North Potomac. This stunning single-family home offers over 3,500 square feet with 4 bedrooms, 2.5 bathrooms, and an attached garage. Located on a beautifully landscaped .27-acre lot with a private heated in-ground pool and hot tub. Situated on a peaceful street, this home combines timeless charm with spacious indoor and outdoor living. A welcoming front porch leads into the foyer with gleaming wood flooring and flanked by formal living and dining rooms. The light-filled living room showcases large windows, while the spacious dining room offers elegant molding details and ample table space for entertaining. The upgraded eat-in kitchen is complete with granite countertops, stainless steel appliances including a double wall oven, center island, and abundant cabinetry. Just off the breakfast area, step out onto the expansive rear deck overlooking the lush backyard oasis with pool and hot tub below. Adjacent to the kitchen is an enclosed porch with vaulted ceilings and serene backyard views. The dramatic family room features a soaring two-story vaulted ceiling and a stunning floor-to-ceiling stone wood-burning fireplace. Upstairs, the spacious primary suite includes a sitting area overlooking the family room, dual closets, and a luxurious ensuite bath with jetted soaking tub, dual sink vanity, and walk-in shower. Three additional well-appointed bedrooms share a hallway full bath, and the convenience of bedroom-level laundry completes the upper level. The unfinished lower level offers endless potential for future living space, recreation, or storage. Ideally located just minutes from shops, restaurants, parks, and commuter routes, this exceptional home also feeds into highly sought-after Wootton High School. Residents of Flints Grove enjoy expansive walking trails and community basketball courts. Schedule your 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.
