2135 Congresbury Pl Upper Marlboro, MD 20774
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About this home
Highly Motivated Seller!! I repeat Highly Motivated Seller! Pictures don't do justice for this beauty!Welcome to Beechtree !The Lifestyle You Deserve! This gorgeous Lafayette model by Ryan Homes offers a perfect blend of elegance, comfort, and functionality. Featuring a HUGE bump-out and tons of upgrades, this spacious townhome is designed to impress from top to bottom. The entry level includes a garage, private office, bedroom, full bath, exercise room, and walk-out access, deal for guests, work, or fitness. The main level boasts 9’ ceilings, gleaming hardwood floors, a chef’s kitchen with an oversized island, pantry, and abundant cabinetry, plus a bright morning room that opens to a deck that's perfect for entertaining. A stylish half bath completes this floor. Upstairs, the owner’s suite is a true retreat with a sitting room, two walk-in closets, a tray ceiling, and a luxurious spa-like bath. Two additional bedrooms, another full bath, and convenient upstairs laundry complete the top floor. Surround sound adds to the modern lifestyle. Enjoy Beechtree’s resort-style amenities including a golf course (membership available), community pool, tennis courts, tot lots, playgrounds, and scenic jog/walk paths. This beauty will not last! Motivated seller – bring your highest and best offer by 10/19/2025.
Source: BRIGHT #MDPG2177888
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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.