1212 Random Ridge Rd Westminster, MD 21157
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About this home
Welcome to this fantastic custom home perched on half acre in a very friendly community just minutes away from downtown Westminster, offering luxury & convenience-plus no HOA or city taxes. This is a unique bigger house with a total of 3680 sq. ft living space compared to other houses in the community due to a foundational expansion in year 2006. This home is renovated from top to bottom with 5 bedrooms and 4 full baths and 2 half baths, one car garage and a newly paved driveway. Step inside, you will notice an inviting open kitchen/dining layout with the newly installed wood floors full of nature lights and sunshine. The living room features a new electric burning fireplace and extends to the open floor kitchen with a central quartz stone island, brand new cabinets and stainless steel appliances. Off the kitchen is an open style dining room and sunroom with plenty of natural sunlight and side glass door access to newly renovated deck that can also be accessed from the other end of the kitchen, perfect for family and friends gathering. The master bathroom accompanies with remodeled both shower and tub and sky light with a vaulted sitting area. From master bedroom and sunroom, you can have a nice view of flat open backyard with a large storage shed. The 2 nd bedroom has its own private full bathroom. The other two bedrooms share a completely renovated bathroom and a half bathroom in the widely open hallway. The lower level offers a large rec room with brand new wall to wall carpet with a half bathroom. On the back of the rec room is another full-size bedroom with private full bathroom, sitting area, and walking up access to the backyard through a brand new porch. Additionally, this house has been installed with a brand new HVAC air condition system, new well water purification system, new electric water heater, new washer and dryer, and newly upgraded septic system with county registration available. This house has undergone through extensive renovation, county inspection and certification. You can make this fabulous home yours! Interior: o Open floor layout connecting the kitchen, dining room, sunroom, and extending family room. o New wood floors on the main level, new carpet in the lower level, and fresh paint through whole house. o Completely new kitchen with a central quartz stone island, new cabinets, and new energy-efficient stainless steel appliances. o All four full bathrooms and two half bathrooms are brand new. o New electric fireplace in the living room. o Master bedroom with a remodeled full bath, skylight, and vaulted sitting/office area. o Second bedroom with its own new bathroom. o Lower level features a large rec room, a bedroom, a new full bathroom, and a new half bath. Exterior: o Perched on just under half an acre with a flat, well-viewed backyard. o Newly paved driveway. o One-car garage with a newly installed opener. o Newly renovated composite deck. o Basement walk-up access to the backyard with a new porch. o A spacious storage shed in the backyard Systems and Utilities: o New Carrier 3.5T HVAC with ventilation ductwork. o New well water purification system with new 32-gallon water storage tank. o New electric water heater, new washer and dryer. o New Radon exhausting fan. o New upgraded septic system with county registration
Source: BRIGHT #MDCR2029882
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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.