2110 Foxfield Cir Frederick, MD 21702
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About this home
Welcome to this Spacious 4-bedroom, 3.5-bath home perfectly nestled in the sought-after Whittier Lake Community. Enjoy breathtaking mountain views and an unbeatable location surrounded by parks, lakes, and neighborhood charm. Step inside to find gleaming hardwood floors and an inviting layout featuring a living room, dining room, and family room with a cozy gas fireplace (new insert installed in 2021). The open-concept kitchen boasts quartz countertops, a large island, walk-in pantry, and a bright breakfast bump-out with custom Palladian blinds—perfect for morning coffee or casual dining. The large primary suite offers double closets and private bath. The finished lower level includes three versatile rooms—ideal for a den, home office, playroom, or extra storage. Enjoy outdoor living on the composite deck and patio, surrounded by lush landscaping on a spacious corner lot. Recent updates include: Roof (2020) – 30-year shingles, 150 mph wind-rated, HVAC system (2022) , Gutters & downspouts (2022), Radon remediation system, Double washer/dryer hookups (main level & basement) Many closets offer organizational systems as well as the Garage includes adjustable organizational shelves. Community amenities abound—three swimming pools, basketball courts, tennis courts, green spaces, walking paths, and nearby Whittier Lake with bridges, benches, and a gazebo for relaxation. Conveniently located within walking distance to BBQ, pizza, barbershop, Anytime Fitness, and Whittier Elementary School. Easy access to public transportation—bus stop two blocks away, commuter rail four miles away, and just 10 minutes to Historic Downtown Frederick offering dining, boutique shopping, local breweries, arts, Carroll Creek, and Baker Park. Home is being sold As-Is, with a 1 year Home Warranty included. A few areas need paint and new carpet—ready for your personal touch. Professional interior photos coming soon! Experience the Whittier lifestyle—you’ll love calling this special neighborhood home!
Source: BRIGHT #MDFR2072266
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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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