Welcome to 9359 Gentle Way, a beautifully updated home tucked away on a picturesque cul-de-sac in the heart of Columbia. This thoughtfully improved property offers a rare opportunity to enjoy the perfect blend of character, comfort, and convenience in one of the area's most desirable locations. Filled with warmth and style, the home features beautiful flooring, crown molding, vaulted ceilings, abundant natural light, charming storage nooks, and a cozy brick fireplace that serves as the focal point of the main living space. Recent improvements include a resurfaced concrete driveway and walkway, a refreshed garden retaining wall, an updated bathroom, and a recently updated fence, enhancing both the beauty and functionality of the property. The heart of the home is the stunning gourmet kitchen, complete with granite countertops, a quartzite stone backsplash, high-end stainless steel appliances, recessed lighting, ample cabinetry, and a sunny breakfast nook. Step outside to enjoy the maintenance-free deck, expansive patio, and fully fenced backyard, perfect for outdoor dining, entertaining, pets, or simply relaxing while taking in the peaceful wooded surroundings. Upstairs, the primary suite serves as a private retreat, featuring an updated en-suite bath with a large walk-in shower and custom closet space. Two additional bedrooms and an updated hall bath complete the upper level. The walkout lower level offers exceptional flexibility with a large family room, powder room, laundry area, and direct access to the backyard. Whether you're hosting guests, creating a home office, workout area, or recreation space, this level adapts beautifully to your needs. The spacious one-car garage provides additional storage, while the driveway offers ample parking for family and guests. Ideally situated near shopping, dining, entertainment, and major commuter routes including Routes 29, 32, 100, 175, and I-95, this location offers the very best of Columbia living. Enjoy nearby walking trails, tot lots, green spaces, and easy access to beautiful Lake Elkhorn via the trail located beside the home. BWI Airport is less than 15 minutes away, making travel exceptionally convenient. Offering the perfect combination of thoughtful updates, natural beauty, and an unbeatable Columbia location, 9359 Gentle Way is a place you'll be proud to call home.
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.
