Welcome to 822 Dale Road — a charming, move-in-ready rancher in the highly sought-after Harundale community of Glen Burnie! This beautifully updated home combines stylish modern touches with comfortable, main-level living, offering the perfect blend of convenience, warmth, and everyday functionality. Whether you’re just starting out, looking to downsize, or dreaming of a home with effortless flow, this property delivers a layout and lifestyle that feels instantly inviting. Step inside to discover an open floor plan that creates a bright, airy atmosphere from the moment you walk through the door. The spacious living area is designed for easy gathering and relaxation, with plenty of natural light and fresh, 1-year-old flooring that enhances the home’s clean, contemporary feel. The seamless connection between the living, dining, and kitchen spaces makes entertaining simple—whether you’re hosting a cozy movie night or a weekend brunch. At the heart of the home is the thoughtfully designed galley-style kitchen, featuring upgraded countertops, stainless steel appliances, and efficient workspace that makes cooking feel effortless. From everyday meals to special celebrations, this kitchen supports your lifestyle with style and function. This rancher offers three comfortable bedrooms, each with flexible potential—use one as a home office, guest space, or hobby room. The full bathroom is conveniently located and well-maintained, offering easy access from all bedrooms and main living areas. One of the standout features of this property is its true one-level living, making day-to-day life incredibly convenient. Whether you prefer a home without stairs or simply love the ease of having everything at your fingertips, this layout is hard to beat. Outdoor living is just as appealing. The backyard offers space for gardening, play, pets, or relaxing evenings around a firepit. A detached 1-car garage adds valuable storage or workshop flexibility, and the driveway provides additional off-street parking—something everyone appreciates. The roof, only 5 years old, and HVAC system, approximately 8 years old, provide peace of mind and help ensure this home is ready for years of worry-free living. Situated in the vibrant Harundale community, you’ll enjoy easy access to shopping, dining, parks, and commuter routes, while still being tucked into a welcoming neighborhood setting. It’s the ideal combination of convenience and community charm. With its modern updates, open layout, and inviting design, 822 Dale Road is a home that feels as good as it looks. Don’t miss your chance to make it yours! Reach out today to schedule your private showing and experience its comfort and warmth firsthand.
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.
