23117 Crestwood Ln California, MD 20619
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About this home
Be ready to fall in love with this recently remodeled home filled with beautiful updates inside and out. The brand-new kitchen features quartz countertops, a large island, stainless steel appliances, and an open layout that connects to the dining and living areas. Luxury vinyl plank flooring runs throughout, and the Florida room just off the kitchen opens to a tiered deck overlooking the in-ground pool. The primary suite includes a huge walk-in closet with a skylight, plus a second closet, and a private bath with a new vanity, lighting, shower, flooring, and toilet. The hall bath has also been updated with a new vanity, sink, faucet, flooring, tub, exhaust fan, lighting, and toilet. All bedrooms have fresh paint and new carpet. The living and dining rooms feature new drywall, floors, and Anderson windows, while the sunroom offers new Anderson windows, flooring, and ceiling fans. The finished basement includes a bedroom, full bath, large laundry room with new cabinets and sink, and a cozy wood-burning fireplace. The basement itself has new drywall, drop ceiling, flooring, and a ceiling fan. Step outside to enjoy a 1+ acre lot with mature trees for added privacy, a fenced backyard, and an in-ground pool with DE filtration system (pump grids replaced in 2024), firepit, and landscaped walkways. A 3-car side-entry garage, re-asphalted and extended driveway with 30 amp RV hookup, solar panels, new vinyl siding, and HVAC (2021 under warranty) complete the package. Fiber-optic internet already installed. A great upgrade for anyone who works from home or streams. The community offers walk and bike lanes, tennis courts, a clubhouse, and two ponds within walking distance - including one accessible by a path directly from the backyard. All in a sought-after neighborhood close to PAX River, shopping, and dining.
Source: BRIGHT #MDSM2027448
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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.