12661 Barton Dr Hagerstown, MD 21740
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About this home
***Seller is willing to pay all closing cost.*** The home loan is assumable at an attractive rate of 2.75%. SOLD AS IS! This stunning move-in ready home and GORGEOUS fully fenced home, offers 4 Bedrooms, 4 full Baths, and a host of desirable features. The open floor plan includes an upgraded kitchen with top-of-the-line amenities such as an oversized island, stainless appliances featuring a black cooktop, and luxurious soft-close cabinets. The kitchen seamlessly flows into a spacious family room with double glass sliders that lead to a maintenance-free deck and fenced yard. Additionally, the first floor boasts a Study or the 4th bedroom and a full bath for added convenience. Upstairs, you'll discover a generous loft landing surrounded by a sizable tiled laundry room equipped with a Maytag commercial Washer and Dryer and ample storage space. The owner’s suite is a true retreat, offering a generous walk-in closet, a lavish owners Bath with a private toilet room, double vanities, a spacious walk-in closet, and a double-sized walk-in shower. Two more bedrooms complete the upper level. The basement level features Berber carpeted stairs and luxury vinyl floors, creating an inviting and stylish space. This fully finished lower level includes a full bathroom with tub and shower, an Exercise room, and a large family living area. This home has wonderful natural light with its abundant windows showcasing a bright contemporary color scheme, comes with outside play equipment included. The garage has been upgraded for extra height to accommodate larger vehicles such as campers and trucks. Located in the sought-after Hagers Crossing community, residents can enjoy amenities like a beautiful pool, tennis courts, playground, and a nearby elementary school. Don't miss out on this unique opportunity to own a truly special home!
Source: BRIGHT #MDWA2030358
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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.