Welcome to a lifestyle defined by elegance, comfort, and thoughtful design. This exceptional executive-style residence spans more than 4,800 sq ft across three beautifully finished levels and offers 6 bedrooms, 4.5 bathrooms, and expanded living spaces crafted for both everyday living and upscale entertaining. The main level sets the tone with formal living and dining rooms that greet you upon entry. The heart of the home is the gourmet kitchen—an entertainer’s dream—featuring upgraded appliances, a five-burner gas cooktop, double wall ovens, built-in microwave, extensive cabinetry, and an oversized island perfect for gatherings. The sun-filled morning room, wrapped in large windows, provides a tranquil retreat ideal for family meals or quiet reflection. Adjacent to the kitchen, the expansive family room includes a gas fireplace and easy access to the low-maintenance custome deck, creating seamless indoor-outdoor flow. A private main-level office completes this impressive space. Upstairs, the luxurious primary suite offers a true haven with a spacious sitting room, walk-in closets, tray ceiling, and a spa-inspired bath featuring a jetted Jacuzzi tub, walk-in shower, dual vanities, and elegant tile flooring. Three additional oversized bedrooms complete the upper level—one with a private en-suite bath, and two sharing a convenient buddy bath with separate vanities. The fully finished lower level provides endless flexibility with generous recreational areas, an additional bedroom, a full bathroom, and expanded living space created by the home’s multi-level extensions. A walkout leads directly to the rear yard, offering additional opportunities for outdoor enjoyment. Perfectly situated in an elegant and well-connected community, this home provides easy access to major routes (I-495/I-95, BW Parkway, Route 50) and is less than 3 miles from the nearest metrorail. Shopping, dining, schools, medical centers, Bowie Town Center, Woodmore Town Center, Joint Base Andrews, and more are all within close proximity. This remarkable property seamlessly blends luxury, convenience, and comfort—schedule your private tour today. Professional photos coming soon!
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.
