Open Sunday, 2-4 PM! Tucked away in coveted Al Marah of Bethesda, this beautifully reimagined home offers thoughtful, modern updates in one of the area’s most sought-after locations. With effortless access to major commuter routes, top-rated public and private schools, and the best of downtown Bethesda, the setting is as exceptional as the home itself. From the moment you arrive, the inviting curb appeal and refined exterior hint at the elevated design found throughout. Step through grand double doors into a spacious foyer that opens to the heart of the home: a stunning, sun-filled, and fully renovated kitchen designed for both everyday living and exceptional entertaining. Featuring an oversized Sub-Zero refrigerator and separate column freezer, a 48” Wolf eight-burner range with hood and double ovens, two sinks and two dishwashers, and a walk-in pantry, the space is as functional as it is beautiful. An oversized island offers generous seating and storage, while a sunlit breakfast area with a bay window overlooks the lush backyard. Just beyond, the home continues to impress with a seamless flow into the expansive family room, complete with a stylish built-in bar, a stone mantle, a wood-burning fireplace, recessed lighting, and access to the back deck. Tucked just off the main living space, the four-season sunroom offers a serene retreat with exposed brick, full heating and cooling, and a wall of glass doors that open to the deck, creating a perfect indoor-outdoor connection. The main level also features a large formal dining room filled with natural light, ideal for both intimate dinners and larger gatherings. A versatile office or main-level bedroom with a closet and detailed molding adds flexibility, while a sleek powder room and multiple storage closets enhance everyday convenience. Beautiful hardwood floors and modern lighting are carried throughout, and a two-car garage completes this level. Upstairs, hardwood floors continue, leading to a serene and spacious primary suite featuring recessed lighting, two walk-in closets, an additional bonus closet, and a beautifully renovated en-suite bath with a dual vanity, a soaking tub, a storage closet, and a stunning walk-in spa shower. A private secondary bedroom offers charming dormer windows, built-in seating, two closets, and its own updated en-suite bath. Two additional generously sized bedrooms share a renovated hall bath, complemented by two linen closets and a well-appointed upper-level laundry room with a utility sink and cabinetry. The walkout lower level is designed with versatility in mind, ideal for entertaining, extended stays, or live-in accommodations. Featuring brand-new carpet, a second wood-burning fireplace with a stone mantle, and direct access to the backyard, the space also includes a full kitchenette with a gas range, full-size refrigerator, dishwasher, and ample storage. A bonus room provides the perfect home office or flex space, while a full bathroom and a fifth bedroom with abundant closet space and its own en-suite bathroom complete this level. Featuring five to six bedrooms, five-and-a-half baths, exceptional indoor-outdoor flow, and a spacious backyard with space to play or unwind, this home offers a rare combination of scale, style, and an unbeatable Bethesda location all in one!
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.
