1601 Cereal St Curtis Bay, MD 21226
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About this home
Welcome home to this beautifully renovated, move-in-ready end-unit townhome, perfectly located in the Curtis Bay neighborhood at the Baltimore City/Anne Arundel County line. This home combines modern updates, versatile living spaces, and incredible convenience, offering the best of both city and suburban living. Step inside to discover a bright and open main floor featuring an inviting living room, a dedicated dining area, and an updated kitchen complete with brand-new luxury vinyl plank flooring. Whether you’re relaxing or entertaining, this space is designed for style and functionality. Upstairs, you’ll find two spacious bedrooms with ceiling fans, a fully updated bathroom, and a convenient laundry area, eliminating the need for trips to the basement. Speaking of the basement, this unfinished space provides ample storage or the opportunity to create a workshop, gym, or additional living area to suit your needs. Freshly painted throughout, this home is truly ready for its new owners to move in and make it their own. The property includes an exciting bonus—a separate 2,700 sq. ft. lot (30x90) located behind the home, available for purchase as well! This lot offers endless possibilities: build your dream garage or workshop, expand your living space, create a lush garden retreat, or utilize it for off-street parking. Situated just minutes from major roadways, this home provides easy access to BWI Airport and Downtown Baltimore, making it an ideal location for commuters and travelers alike. Don’t miss this incredible opportunity to own a thoughtfully updated townhome with unmatched potential!
Source: BRIGHT #MDBA2151278
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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.