1834 Perryman Rd Aberdeen, MD 21001
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About this home
This adorable rancher has so many impressive features! Enjoy over 1,100 sq ft of living space (not including the sunroom), an oversized attached two-car garage, additional detached garage large enough for your boat, RV, or tandem parking, and a long driveway with ample parking- offering endless possibilities for storage or hobbies. The home offers an inviting layout, spacious rooms, and plenty of natural light! Kitchen has white cabinetry, space for an island or table, and charming wainscoting detail! Open Large living room and dining combo or use the the space as one huge living room! Remodeled main level bath with modern vanity and pretty tile work. Finished lower level has plush carpet, a renovated full bath, and plenty of room for entertaining, movie nights, or everyday recreation. Enjoy additional flexibility in the inviting sunroom—an ideal spot for gatherings, hobbies, or a party space that opens to the outdoors. A covered brick-floor porch extends your living area and creates the perfect setting for morning coffee, crab feasts, dining, or a lounge area. Additional features include hardwood floors, some fresh paint, front porch, arched doorways, vaulted ceilings, ceiling fans, wall-mount AC in sunroom; projector screen in sunroom; mini split in basement; pellet stove in basement and garage; wired for generator. The property’s exterior is just as impressive— The lot is simply beautiful—backing to woods and adjacent to open farmland for stunning views and privacy. All this tucked along a country road, yet only minutes from Aberdeen shops, restaurants, APG, and I-95 for easy commuting. Solar panels are leased and help keep utility costs low. Some furniture can convey/is negotiable. Don’t miss this exceptional opportunity to own your slice of Harford County charm!
Source: BRIGHT #MDHR2048914
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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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