13903 Norton Hill Ct Upper Marlboro, MD 20774
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About this home
GREAT pricing for the Oak Creek Club gated community! This beautifully well-maintained Ravenna model colonial detached home, located in a cul-de-sac, is what you’ve been dreaming about. Offered by the original owners, this brick-front home features: 4 bedrooms, 2 bathrooms and Laundry Room on upper level; Den, Formal Dining Room, Living Room with fireplace, Eat-In Kitchen, Sun/Florida Room, Office, a half bathroom and access to 2-car Garage on main level; Family Room, Theater/Media Room, Utility Room with storage and rough-in (for additional full bathroom) on the lower basement level. The home’s character is in the details… open floor plan, oversized kitchen island with cabinets and seating, beautiful Luxury Vinyl Plank flooring on main level, stylish and artistic lighting fixtures throughout, recessed lighting, electric fireplace, light filtering custom Roman Shades and two 2 large walk-in closets (one with space saving Barn Door) in primary suite, Soaking Tub in primary bathroom, seat riser with lighting in Theater Room, tankless gas water heater and overhead storage in the 2-car garage. The home also comes with a 1-year AHS Home Warranty and Washing Machine Credit as house warming gifts to the new homeowners. Community amenities include clubhouse with swimming pool, The Grove restaurant, Oak Creek Golf Club featuring an 18-hole championship golf course, tennis courts, community playgrounds, walking and biking trails, and 24-hour security. Easily access DC and points throughout the DMV area for business, education, shopping, entertainment, restaurants, places of worship, sports arenas/stadiums, marinas and airports by way of MD-202, MD-214, MD-50 and I-495, or conveniently take Metro Rail at Largo Town Center (less than 15 mins away). Nearby points of interest: Woodmore Towne Center (14 mins), Bowie Town Center (16 mins), PG Community College (9 mins), FedEx Field (13 mins), Bay Sox Stadium (16 mins), Watkins Regional Park and Nature Center (6 mins), UM Capital Region Medical Center (11 mins), UM Bowie Health Center (18 mins), Kaiser Permanente (10 mins), U.S. Census Bureau (20 mins), Joint Base Andrews (21 mins). Come make this home, and the Oak Creek community, your sanctuary!
Source: BRIGHT #MDPG2158282
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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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