1908 Stonehearth Ct Severn, MD 21144
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About this home
Sensational in Severn! Flooring in plant room has been replaced. Wow! What a difference! Modern comfort meets timeless style in this fully re-engineered 4-bedroom, 3-full bath Cape Cod, beautifully transformed from top to bottom with attention to detail and design. Tucked away at the end of a quiet cul-de-sac, this home welcomes you with inviting stone paver entry and stunning curb appeal. Step inside to a light-filled open-concept floor plan, perfect for today’s lifestyle. The spacious living room flows seamlessly into the modern kitchen, allowing the chef to be part of the conversation. An oversized family room offers versatility for entertaining, play, or relaxation. The main level features two bedrooms and a full bath, along with a large laundry room offering excellent storage options. Upstairs, you’ll find two private bedrooms, each with its own en-suite bath, providing comfort and privacy for family or guests. Freshly painted in a neutral palette with warm accents, the home complements a wide range of styles and décor preferences. Thoughtful updates provide peace of mind: 2025: New Roof, New Siding with Stone, New Front Door, Storm Door, Sliding Door, Dishwasher, and Fresh Paint 2024: Driveway Repaved, New Stove, New Hot Water Heater 2023: New Refrigerator, New HVAC/AC, Nest Smart Home System 2022: New Washer & Dryer 2010: Windows Replaced Outside, enjoy the beautifully landscaped yard, rose garden, and spacious fenced backyard—perfect for outdoor gatherings or quiet evenings at home. Conveniently located near shopping, dining, and major commuter routes, this move-in-ready gem offers both style and functionality. All the big-ticket items have already been done—simply move in and enjoy years of low-maintenance living! Live action video can be found under TOURS tab. Open House: Saturday & Sunday, October 11 & October 12, | 12:00–2:00 PM Call to schedule a private showing!
Source: BRIGHT #MDAA2128158
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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.