207 Bellgate Ct Walkersville, MD 21793
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About this home
This 5 bedroom, 3.5 bath home, nestled within the desirable Spring View Estates, sits on a generous .44 acre lot that backs to beautiful open space. This home was completed in 2021 and welcomes you with a cozy front porch offering a place to sit and enjoy the peaceful neighborhood. Step inside to discover a meticulously designed floor plan - the open design effortlessly connects the kitchen to the living room and dining area, offering abundant natural light and access to a delightful deck and backyard retreat. The upgraded kitchen has beautiful white cabinetry with a custom backsplash, quartz countertops, stainless steel appliances, oversized island, large pantry and coffee bar. This level also has a versatile study that could be used as an office or playroom. The convenient mudroom is adjacent to the kitchen with access to the half bath and the two car garage. The upper level has four inviting bedrooms and two full baths; the primary suite has an elegant tray ceiling, two walk-in closets and an en suite bath featuring a soaking tub and shower enclosure alongside dual sink vanities. On the lower level, a finished family room, 5th bedroom and full bath as well as a large storage room perfect for a home gym. This home is within walking distance to schools and is close to a variety of community parks, amazing restaurants and shopping. Discover your own private haven!
Source: BRIGHT #MDFR2069794
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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.