Welcome to 9204 Oregold Ct — Where Sophistication Meets Everyday Comfort. Nestled in the prestigious Montpelier Hills community, this reimagined 3-bedroom, 2.5-bath residence invites you to experience modern elegance, warmth, and effortless living. From the moment you arrive, you’ll sense the attention to detail and thoughtful design that make this home truly one of a kind. Step inside to an open-concept floor plan filled with natural light and gleaming hardwood floors that flow seamlessly throughout the main level. The spacious family room, anchored by a cozy fireplace, is perfect for relaxing evenings or intimate gatherings. The chef’s kitchen is both stylish and functional, showcasing stainless steel appliances, modern cabinetry, and an inviting flow ideal for entertaining. Upstairs, the primary suite is your private sanctuary — featuring custom-designed closets, a luxurious spa-inspired bathroom with a top-of-the-line walk-in shower, and a jacuzzi tub perfect for unwinding after a long day. Two additional bedrooms offer versatility and comfort for guests, work, or play. Step out to your private patio oasis, where you can host unforgettable outdoor gatherings, dine al fresco, or simply savor a quiet morning coffee or tea surrounded by nature. Located in one of Laurel’s most sought-after neighborhoods, this home combines modern upgrades, timeless design, and an inviting ambiance that makes you feel right at home the moment you walk through the door. 9204 Oregold Ct — the home you’ve been waiting for. Once you see it, you’ll never want to leave.
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.
