18625 White Oak Dr Rawlings, MD 21557
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About this home
Look no further—this stunning 4-bedroom, 2.5-bath home is just minutes from Fore Sisters Golf Course and has everything you've been dreaming of! Fully remodeled and move-in ready, this home offers modern comforts, timeless design, and plenty of space for the whole family. Step inside and you’ll fall in love with the beautifully updated kitchen, complete with granite countertops, a marble backsplash, and stainless steel appliances. The open layout makes entertaining a breeze, with an eat-in kitchen, spacious living room with a cozy wood-burning fireplace, and a versatile activity room—perfect for family gatherings and celebrations.The owner’s suite is a true retreat, featuring a luxurious en-suite bathroom, walk-in closet, an additional oversized closet, and a private dressing area. Step outside to your private deck and enjoy peaceful mornings or quiet evenings overlooking the large backyard. All four spacious bedrooms are located on the same floor, ideal for families. The outdoor space is what everyone dreams of! Enjoy: Basketball hoop, youth play set, hed (under 5 years old), plenty of room to add even more!Need storage? No problem. This home includes attic storage, an oversized 2-car garage with room for workbenches and toolboxes, plus a full unfinished basement. The basement is currently used as a home gym but has endless potential—think in-law suite, game room, or home theater. Major updates include: Gas furnace & central air (less than 10 years old), Mini-split system for additional heating/cooling (less than 5 years old),Tankless gas water heater (less than 5 years old), Gutters, downspouts, and French drain (less than 5 years old),This home was designed for comfort, functionality, and making lifelong memories, Come see it for yourself—you won't want to leave!
Source: BRIGHT #MDAL2013174
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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.