10465 Sugarberry St Waldorf, MD 20603
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About this home
This spacious 5-bedroom, 3-bath residence offers three beautifully finished levels designed for both everyday living and unforgettable entertaining. Best of all, the home comes with an assumable FHA loan at a rare 3.5% rate—a unique opportunity for today’s buyers. Step inside to find a sun-filled layout with formal living and dining rooms, a chef-friendly kitchen with abundant storage, and a bright sunroom perfect for morning coffee. The inviting family room provides the ideal place to relax or host friends. Upstairs, the luxurious primary suite boasts two walk-in closets, a private en-suite bath, and a dedicated office space—ideal for working from home. Three additional bedrooms, a full hall bath, and an upstairs laundry add both comfort and function. The fully finished lower level is a lifestyle highlight, complete with a large recreation room, wet bar, full bath, and additional bedroom—perfect for movie nights, guests, or multigenerational living. Outdoors, a private backyard backing to trees creates a peaceful retreat for grilling, entertaining, or quiet evenings under the stars. Tucked away on a quiet street, yet minutes from shopping, dining, and commuter routes, this Waldorf gem offers the perfect balance of serenity and convenience. With its spacious design, versatile living areas, and unbeatable FHA loan assumption, 10465 Sugarberry Lane is the opportunity you’ve been waiting for.
Source: BRIGHT #MDCH2048364
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FAQs
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.
Roam is committed to and abides by the Fair Housing Act and Equal Opportunity Act.