109 Garden Gate Ln Upper Marlboro, MD 20774
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About this home
Sophistication, Space, and Style – This Is the Home You've Been Waiting For Experience refined living in this stately three-sided brick estate, featuring a two-car side-entry garage and an elegant two-story foyer that sets the tone for grandeur. The main level impresses with gleaming hardwood floors, fresh designer paint, and timeless architectural details, including columned entrances, crown molding, and shadowbox trim in both the formal living and dining rooms—perfect for entertaining in style. Step into your private main-level office, ideal for remote work or a quiet study, then flow seamlessly into the heart of the home—an expansive gourmet kitchen. Outfitted with granite countertops, a decorative backsplash, stainless steel appliances, a double wall oven, gas cooktop, and a central island, this chef’s kitchen is as functional as it is beautiful. The adjacent sunroom offers the perfect nook for morning coffee or a casual brunch, while the open-concept family room with gas fireplace provides warmth and comfort for everyday living. This exceptional layout also includes a rare dual powder room design on the main level—a thoughtful feature for hosting guests. Two staircases lead to the upper level, where luxury continues. The sprawling primary suite is a true retreat, boasting a sitting area with its own fireplace, tray ceiling, and a spa-inspired ensuite with granite double vanities, an oversized jacuzzi soaking tub, frameless glass shower, and custom tilework. The second bedroom is a private suite—ideal for in-laws or overnight guests—while the third and fourth bedrooms share a Jack-and-Jill bathroom with elegant finishes and generous proportions. Downstairs, the fully finished walkout basement offers versatility for modern living: an oversized rec room with recessed lighting, a fifth legal bedroom, a full bath, and a bonus room perfect for a home gym or studio, with large windows to let in natural light. Step outside to a maintenance-free composite deck, ideal for summer gatherings and outdoor dining. This home is situated in a vibrant, upscale community just minutes from I-95/495, with premium shopping, fine dining, and everyday conveniences close by. Some photos have been virtually staged
Source: BRIGHT #MDPG2160904
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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.
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