18 Bellchase Ct Pikesville, MD 21208
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About this home
This stunning home is tucked away in a peaceful, sought-after neighborhood, offering the perfect blend of seclusion and convenience. From the moment you step through the grand entry, you’ll be captivated by the vaulted ceilings, bright and open floor plan, and elegant design throughout. The heart of the home—the kitchen—is truly a showstopper, featuring high-end cabinetry, gorgeous countertops, a stylish backsplash, butler’s pantry, stainless steel appliances, and designer lighting. It flows seamlessly into a spacious family room with hardwood floors, large windows, and breathtaking views of the wooded backdrop. Need a productive workspace? The private home office is both efficient and serene—ideal for remote work or study. The main level also includes a formal dining room, formal living room, and a sun-filled enclosed deck with electricity, perfect for morning coffee or evening relaxation. Upstairs, you'll find generously sized bedrooms, all with ceiling fans and ample closet space. The primary suite is a true retreat, complete with a luxurious en-suite bath featuring a frameless glass shower, separate soaking tub, and elegant tile work. Every bathroom in the home has been thoughtfully updated with modern finishes and high-quality materials. The fully finished basement offers even more living and entertaining space, plus tons of storage, a full bathroom, and walk-out access to your private backyard. Step outside to enjoy the best of both worlds—privacy and space. The large yard is perfect for gatherings or play, and the combination of enclosed and open deck space makes outdoor living effortless year-round. All of this is just minutes from shopping, dining, entertainment, and major commuter routes.
Source: BRIGHT #MDBC2132890
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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.