BRUNSWICK CROSSING | BETTER THAN NEW | PRIVATE ALLEY ACCESS Why wait for new construction when this one is already done — and done better?! 809 Jefferson Pike delivers the finishes, outdoor space, and extras that new builds charge you for after closing, already in place and ready to enjoy from day one. Listed at 4 bedrooms, BUT the basement already features a finished bedroom space with egress window and full bathroom — the FIFTH BEDROOM is essentially here. A separate unfinished area behind a door adds storage or room to expand further, making the lower level more than most buyers expect to find. Tucked away with private alley access off a quiet side street, this home offers a surprisingly peaceful setting — pull in, park in your oversized rear-entry two-car garage, and the world slows down. From the moment you arrive, the outdoor space sets the tone: a custom hardscape patio, wood-burning fire pit, and fully fenced yard — all already done, with no post-closing project list waiting for you. Inside, the open floor plan flows effortlessly from the gourmet kitchen — anchored by a large center island, ample cabinetry, and direct patio access — through the main living areas, making entertaining and everyday life equally comfortable. A mudroom with built-ins keeps things organized and connects directly to the garage. Upstairs, the primary suite offers a spa-inspired bath and expansive walk-in closet, alongside three additional bedrooms, a full hall bath, upper-level laundry, and upgraded LVP flooring. Sellers may consider concessions with a reasonable offer — apply them toward a rate buydown or closing costs and make this move work on your terms. Ideally positioned minutes from the MARC train, major commuter routes to Washington D.C., and Fort Detrick — a natural fit for commuters and PCS buyers who need certainty and a fast, smooth close. Brunswick Crossing residents enjoy resort-style amenities: pool, fitness center, trails, courts, dog park, and playgrounds — all within a vibrant, established community. The upgrades are done. The yard is finished. The access is easy and quiet. Come see it for yourself. Leasing option available.
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.
