BETTER THAN NEW IN BRUNSWICK CROSSING – NO WAIT, NO EXTRA COSTS Why wait months for new construction when this stunning, move-in ready home is available right now? Located in the highly sought-after Brunswick Crossing community, 809 Jefferson Pike offers the perfect combination of space, upgrades, and convenience — without the hidden costs of building new. Ideally located for commuters, you’re just minutes to the MARC train, major routes to Washington, DC, and in close proximity to Fort Detrick—making this an excellent option for military buyers and those with PCS relocation needs. The main level features an open, versatile layout with a formal dining room connected to the kitchen via a butler’s pantry, a private office, additional sitting room, and a spacious living area that flows seamlessly into the gourmet kitchen and breakfast space. The kitchen includes a large center island, ample cabinetry, and direct access to the outdoor custom patio—perfect for everyday living and entertaining. A functional mudroom with updated built-ins connects to the oversized rear-entry two-car garage, and a powder room completes the main level. Upstairs you’ll find four spacious bedrooms, including a luxurious primary suite with an enormous walk-in closet and a spa-like bathroom featuring a soaking tub and separate walk-in shower. A full hall bathroom and upper-level laundry add to the home's practical design as well as upgraded LVP flooring throughout the upper level. The partially finished basement offers a large recreation area, full bathroom, and significant unfinished space ready for future expansion. With an egress window already in place, the lower level offers excellent potential for an additional bedroom, media room, or guest suite. Step outside to enjoy a custom outdoor living space featuring a spacious hardscape patio and built-in wood-burning fire pit, all enclosed with beautiful white vinyl fencing—perfect for entertaining, relaxing evenings, pets, or family gatherings. The patio is conveniently accessed from the kitchen’s morning room area. Brunswick Crossing offers resort-style amenities including a pool, fitness center, courts, trails, dog park, playgrounds, and more. This home offers the perfect combination of space, lifestyle, and commuter convenience.
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.
