10535 Peachtree Ln Williamsport, MD 21795
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About this home
Back on the Market — No Fault of Seller! Welcome to this charming brick rancher nestled in a desirable neighborhood perfect for peaceful evening walks! This beautiful home features 2 bedrooms upstairs (including a primary suite with half bath and a walk-in cedar closet) plus hardwood floors throughout. The partially finished basement offers a possible 3rd bedroom with large closets and plenty of storage space! The updated open kitchen shines with luxury vinyl plank flooring, new countertops, modern backsplash, and a new stove and refrigerator , flowing into a bright dining area with a pellet stove and stackable washer/dryer hookup for added convenience. The cozy living room features hardwood floors, a fireplace, and a new front door and picture window that fill the space with warm natural light. Recent updates include: ✅ New 200-amp electrical panel ✅ New heat pump ✅ Newer bedroom windows ✅ 3-year-old metal roof Downstairs offers even more space — half finished, half unfinished — perfect for a rec room, hobby area, or additional storage. Step outside to enjoy the fenced backyard with a concrete patio and sliding glass doors, ideal for relaxing or entertaining. A storage shed adds extra convenience for your tools and outdoor gear. 🛠️ Don’t miss this well-cared-for home combining comfort, updates, and charm — all in a fantastic location!
Source: BRIGHT #MDWA2031154
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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.