1698 Oneida St Havre De Grace, MD 21078
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About this home
Update! New Deck being built! Welcome to this beautifully maintained 3-bedroom, 2.5-bath brick-front townhouse in the desirable Greenway Farms community of Havre de Grace. Offering three finished levels and a spacious two-car garage, this home is thoughtfully designed to suit every lifestyle. The main level features elegant, rich hardwood flooring throughout. The gourmet kitchen is a culinary dream, complete with stainless steel appliances, granite countertops, a 10-foot center island ideal for meal prep and entertaining, 42-inch cabinetry, recessed and under-cabinet lighting, and stylish pendant lights. The adjacent dining area carries the hardwood aesthetic and includes a generous pantry for added storage. Upstairs, the primary suite provides a relaxing retreat with an en-suite bath featuring a dual-sink vanity and a large ceramic-tiled shower with bench seating. Here you can also find your spacious walk in closet ! In the hall there are two additional bedrooms, a full bath, and convenient upper-level laundry complete this floor. The entry-level offers a versatile flex space—perfect as a second living area, home office, or playroom—along with a half bath and direct garage access. Step outside to your private backyard oasis, highlighted by a beautifully maintained wood patio and gazebo, ideal for outdoor entertaining and relaxation. Enjoy access to top-notch community amenities, including a vibrant clubhouse, fitness center, tennis courts, and a gated in-ground pool—offering a lifestyle of comfort and leisure in a scenic neighborhood setting.
Source: BRIGHT #MDHR2041912
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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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