Luxe Living in the Heart of Canton — Fully Reimagined & Move-In Chic Welcome to this fully-customized renovation located in the heart of historic Canton—one of Baltimore’s most vibrant and sought-after neighborhoods. This stunning 3-bedroom, 2-bath home has been transformed top-to-bottom with high-end finishes, modern style, and timeless charm. Step inside and immediately feel the character—your entry opens to a custom board-and-batten accent wall, setting the tone for the craftsmanship carried throughout the home. The main level features luxury plank vinyl flooring, fresh paint, and an effortless open layout ideal for everyday living and entertaining. The brand-new kitchen shines with all-new cabinetry, sleek tile backsplash, and modern black stainless-steel appliances. Both full bathrooms boast custom tile showers and designer touches that elevate your daily routine. Every major component has been updated for peace of mind, including a new roof, new HVAC system, new hot water heater, new windows, a refreshed exterior, and a new front storm door. And, of course, you need a brand-new washer and dryer, convenience is already built-in. Outside, enjoy a brand-new exterior deck perfect for relaxing or hosting; it’s maintenance-free living at its finest! The lower level offers plenty of open space—ideal for a future game room, recreation room, home gym, or additional storage. Use your imagination and add your personal touch to complete YOUR home. And the location? It doesn’t get better!! Nestled in historic Canton, you’re just moments from: The Canton Waterfront Park & Promenade Endless dining and nightlife around Canton Square Boutique shopping and neighborhood cafés Fitness studios, marinas, and scenic harbor views Easy access to I-95, downtown, and major commuter routes This home offers the rare combination of historic Canton charm with modern finishes and truly “new, new, new” living throughout. Don’t miss your chance to own a completely reimagined home in one of Baltimore’s most energetic, walkable, and beloved neighborhoods.
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.
