14213 Greencroft Ln Cockeysville, MD 21030
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About this home
Turning onto the private lane that is uniquely the community of Greencroft, a sense of anticipation and peacefulness and maybe even a touch of magic is evoked as you travel amidst the tall trees. Waiting for you is a stately all brick colonial where a highly developed state of perfection has been cultivated. Spanning over 3,189 square feet, you will find a sophisticated yet welcoming atmosphere that has a flawless and impeccable quality to it. Step inside to discover a grand foyer that leads to a beautifully appointed living room, where one of the three cozy fireplaces serve as a stunning focal point The adjacent formal dining room with a bay window flows seamlessly into the sleek, contemporary kitchen with state-of- the art appliances. The induction cooktop, convection/microwave wall oven, plus the under cabinet oven brings efficiency and precision to cooking, while the refrigerator/freezer drawers and wine cooler offer easy access and a streamlined look. Adding to this stylish space is an abundance decorator cabinetry, a breakfast bar and island, cork flooring and a sun-filled breakfast room where you can sit and enjoy the fruits of your culinary efforts. Then step into the great room with a stunning coffered ceiling, where each beam is elegantly detailed. Commanding attention is the large stone fireplace and wood alcove, flanked by a custom built-in displaying rich carved accents as seen here and in several places throughout the house. Retreat into the luxurious primary bedroom suite. Here you will find a walk-in dressing room as well as one of the two Corian full baths. The Corian is integrated with seamless joints creating a smooth monolithic appearance...no grout lines. The 4th bedroom has been made into a functional laundry/office area. The lower level is a 29x14 expanse of finished space with a kitchenette, full bath and a walk-out... and still there is a 30x14+ storage area. Outside the property is surrounded by mature landscaping, providing a tranquil oasis for outdoor activities. With it's prime location in Greencroft, you'll enjoy the perfect balance of privacy and community.
Source: BRIGHT #MDBC2142128
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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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