12 Skippers Ct Annapolis, MD 21403
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About this home
BACK ON THE MARKET! Bring ideas to make this home yours! Welcome to this light-filled semi-detached home featuring an open floor plan and soaring vaulted ceilings that create an airy, spacious feel. Offering 1,586 square feet, this inviting home includes an updated kitchen with center island and bright white cabinets; perfect for everyday living and entertaining. Upstairs, you’ll find two comfortable bedrooms, including a primary suite with a private bath, plus a second bedroom and hall bath. A rare bonus is the main-level bedroom/Flex Room, ideal for guests or as a home office. Recent upgrades include double-paned windows, sliding glass doors, and Hardie board siding (2024), giving peace of mind for years to come. The spacious deck overlooks the fenced yard (2025) and offers extra usable space for outdoor enjoyment. The long driveway accommodates two vehicles. A Roof was installed in 2017. Residents enjoy access to the community clubhouse and pool, with a scenic view of Back Creek from the common area. HOA fees - $112 per month which includes exterior painting of home. Conveniently located near shopping, dining, Eastport, and downtown Annapolis, this home combines comfort, convenience, and coastal charm. Check out the photos and 3D Matterport Tour. You can find a virtually staged tour on Facebook at Deborah Wade, The Boomer Real Estate Consultant.
Source: BRIGHT #MDAA2128544
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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.