13501 Scarlet Sage Ct Hagerstown, MD 21740
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About this home
Updated and well-kept Colonial home located in Maugans Meadows on a 0.74-acre lot. The open yard provides plenty of space for pets to run and play. The home backs to the Hagerstown Soccer Club and Grace Academy for even more open space. Enjoy the mountain views and soccer matches from the comfort of large rear deck, complete with covered gazebo on hot summer days. Step through the front door and you're greeted by the formal living room on the left and a formal dining room on the right. The dining room offers hardwood floors and table space to seat 6 to 8 comfortably. Just beyond the formal spaces you'll find the heart of the home, the kitchen and open family room. The kitchen offers modern tile floors, black corian counters, updated stainless steel appliances, a center island, breakfast table space and a spacious pantry to complement the abundant cabinet space. You'll find updated and energy efficient sliding glass doors to the rear deck located just off the kitchen. The family room offers fresh paint, new carpet and a cozy corner gas fireplace. This is a perfect spot for oversized furniture and your large flat screen TV. The floor plan lends itself to entertaining during holidays or celebrations. Rounding out the main level you'll find a convenient half bath, main level laundry room, a mud room with 240-volt outlet for freezers or other appliances, and access to the homes front loading 2-car garage. Moving to the 2nd level you'll find the home’s primary suite, which includes new carpet, fresh paint, a massive walk-in closet and a deluxe primary bathroom. The bathroom comes complete with double vanity, luxury vinyl tile floors, walk-in shower and separate soaking tub. The second level also includes 3 additional bedrooms and a common hall bath that has also been nicely updated with new luxury vinyl tile floors, and a tile tub/shower combo. The 4th bedroom does not include a closet and could also be used as a home office on the 2nd level of the home. All bedrooms are equipped with updated ceiling fans for comfortable sleeping. The lower level of the home is currently unfinished but could easily be finished into an additional 1,190 square feet of living space. The lower level is walk-out level to the rear yard. You'll find the homes utilities located on this level including the heat pump, hot water heater and plumbing system. The home is currently equipped for a generator. Updates include new roofing in 2025, new carpet and paint throughout in 2025, newer hot water heater and more. This home is ready for someone to move in with minimal changes or updates needed as the owners have taken great care of the home. Schedule your tour today.
Source: BRIGHT #MDWA2031640
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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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