23320 Calla Way California, MD 20619
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About this home
Welcome to this stunning Colonial home featuring 3 bedrooms, 3 full baths, and 1 half bath. The main level boasts an open-concept design with distinct spaces for a family room, dining room, and breakfast nook—perfect for both entertaining and everyday living. The kitchen is a standout with stainless appliances beautiful granite countertops that combine style and durability. Throughout the home, you’ll find upgraded wooden shutters and shades, adding elegance and enhancing both privacy and light control. Upstairs, you’ll find a spacious primary bedroom with a private en-suite bath and extra-large walk-in closet. There are also two additional generously sized bedrooms with large walk-in closets and a full bathroom. Enjoy the convenience of upper-level laundry, complete with washer and dryer. The finished basement offers a large family room and a flexible bonus room that owners currently used as a bedroom or ideal for a home office, gym, or hobby space. Two additional large storage rooms provide ample space for all your needs and the third full bath. This move-in ready home has seen numerous high-value upgrades in the last three years, including roof, HVAC system, hot water heater, and a whole-house water filtration system, offering peace of mind and modern comfort. Located in a beautifully planned neighborhood with fantastic amenities—including a resort-style community pool complex, tennis courts, and playing fields and is walkable to the neighborhood elementary school—this home truly has it all! Bonus: An assumable VA loan at an incredible 2.75% interest rate is available for qualified buyers—an exceptional opportunity in today’s market! ***Please note the home is 3,091 total square feet****
Source: BRIGHT #MDSM2027248
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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.