OPEN HOUSES: SATURDAY 3/14/26:11:00-1:00PM AND SUNDAY 3/15/26: 1:00-3:00PM. Welcome to 971 Erna Drive—a beautifully maintained home that is just 6 years young and truly has everything you’ve been looking for! Even better, the home is still covered under the builder’s transferable 10-year structural warranty, offering valuable peace of mind to the next owner. From the moment you step into the impressive two-story foyer, you’ll immediately feel the warmth and care that has gone into this home, boasting 9 ft. ceilings on the first floor, freshly painted throughout, and impeccably clean. Thoughtful touches like crown molding, stylish wall accents and abundant windows that fill the home with natural light make it completely move-in ready. Just off the foyer, you’ll find a private home office, perfect for working remotely or managing daily tasks. On the opposite side, the sitting room flows seamlessly into a spacious dining room, creating an ideal setting for gatherings, celebrations, and holiday meals. At the heart of the home is the stunning kitchen, featuring beautiful granite countertops, stainless steel appliances, and an oversized center island. The kitchen opens to a very large, yet cozy family room, making it the perfect space for both everyday living and entertaining. Sliding glass doors off the kitchen lead to a fully fenced backyard, offering a great space for outdoor dining, play, or relaxing in privacy. Upstairs, retreat through elegant French doors into the spacious primary suite, highlighted by a tray ceiling and brand-new carpet. The luxurious ensuite bath offers dual sinks, a relaxing soaking tub, a separate ceramic tile walk-in shower, and a private water closet, creating a true spa-like escape. Three additional generously sized bedrooms with deep closets, provide plenty of space, along with a Jack-and-Jill bathroom featuring dual sinks and a private water closet, making busy mornings easier for everyone. A convenient upstairs laundry room completes the second level. The fully finished basement boasts over 1400 sq. ft. of beautifully finished space, adding incredible versatility! Could easily serve as an in-law suite, featuring a beautiful bedroom, a full ceramic tile bathroom with a walk-in shower and a spacious living room area, plus another bonus room that could be a playroom, hobby room or home gym! Not to be missed, plenty of closet and storage space. So much living space! Enjoy the convenience of a two-car garage and the peaceful setting of a quiet cul-de-sac. The home is ideally located within walking distance to schools and parks, with easy access to MD Route 32, I 70 and Rt. 26 for commuting. With space, style, natural light, and newer systems for added peace of mind, this home truly checks all the boxes. Don’t miss your opportunity to make 971 Erna Drive your new 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.
