Welcome to 8156 Casey Court, a beautifully updated townhome tucked inside the desirable Lark Brown Crossing community in the heart of Elkridge. Perfectly positioned in Howard County and just minutes from Costco, major shopping, dining, commuter routes, parks, and everyday conveniences, this home offers the space, updates, and location today’s buyers are looking for. From the moment you step inside, the home feels warm, inviting, and easy to live in. The main level features Brazilian Cherry hardwood floors, fresh paint, and a comfortable flow designed for both everyday living and gathering with family and friends. The spacious eat-in kitchen offers granite countertops, stainless steel appliances, a pantry, and flexible bonus space that can be used for additional kitchen storage, a coffee station, homework area, or extended prep space. Sliding glass doors lead to the deck and green space, creating an easy indoor-outdoor connection for quiet evenings, outdoor meals, or weekend entertaining. Upstairs, you’ll find three comfortable bedrooms, including a spacious primary bedroom with a walk-in closet and new ceiling fan. The additional bedrooms offer flexibility for children, guests, or a home office, making the layout practical for a variety of lifestyles. The finished lower level expands the living space even more, featuring new carpet, a cozy fireplace, a convenient half bath, laundry area, and generous storage. Whether you envision a rec room, playroom, gym, office, guest space, or movie-night retreat, this level gives you room to grow and live comfortably. The basement half bath may also offer future potential to convert to a full bath. Recent updates include fresh interior paint, new basement carpet, replaced dishwasher, replaced water heater, updated hallway lighting, new ceiling fan in the primary bedroom, treated and painted exterior trim, and refreshed front landscaping. Located with easy access to Route 100, I-95, Route 1, and Route 29, commuting to Columbia, Baltimore, Washington, D.C., BWI, and Fort Meade is exceptionally convenient. Enjoy nearby recreation at Rockburn Branch Park and Patapsco Valley State Park, along with shopping, dining, and entertainment at Columbia Crossing, Arundel Mills, Historic Ellicott City, and Downtown Columbia. Spacious, updated, and move-in ready, 8156 Casey Court offers a wonderful opportunity to enjoy Howard County living at an approachable price point in a location that keeps you close to everything.
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.
