3605 Samanthas Way Huntingtown, MD 20639
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About this home
*Assumable 2.625% VA Loan* Your Private Resort-Style Escape in Northern Calvert County Tucked at the end of a quiet cul-de-sac in the heart of Huntingtown, this elegant and meticulously maintained home is move-in ready, offering both peaceful privacy and resort-style living, with no HOA! Inside, you’re greeted by a bright and welcoming entryway bordered by a formal living room on the left and a private office on the right, perfect for working from home. The large formal dining room opens into a beautifully updated kitchen with rich dark granite countertops, gorgeous cabinetry, a center island with seating, Samsung Family Hub refrigerator, and stainless steel appliances. The kitchen flows seamlessly into the expansive family room, filled with natural light from oversized windows and showcasing the home’s stunning new Heritage wood flooring throughout. Just off the main hallway is a convenient half bath and a well-appointed mudroom/laundry room with a sink and direct access to the two-car garage. Upstairs, you'll find three spacious secondary bedrooms with ample closet space, and a hall bath. The primary suite is a showstopper, featuring an enormous sitting area, two walk-in closets with custom storage systems, and a luxury bath with dual vanities, a soaking jetted tub, separate shower, and private "water closet". The finished basement expands your living options with a second family room, game room area, 5th bedroom, full bath, and a generous storage room, ideal for a guest suite or multi-generational living. Out back, relax or entertain in your private oasis: • Extensive hardscaping with a large patio • In-ground pool with rock fountain, new surface, and retractable cover (no fence needed!) • New pool cover conveys • Thermospa Hot tub (2020) professionally maintained weekly • Wired electric for an outdoor kitchen or lighting near hot tub area •2 Leased propane tank (2023) for pool heater • Irrigation system in front and side yard • Resurfaced driveway, new gutters/downspouts, and roof ( 2 years old) • Underground 500-gallon propane tank for fireplace and stove (conveys) Additional highlights include dual-zone HVAC with one heat pump replaced in 2023, no HOA, and access to Calvert County schools! You’re just minutes from the Patuxent Natural Resources Area, hiking trails, kayak launches, equestrian facilities, fishing piers, and public parks, making this the perfect blend of rural tranquility and modern convenience. This home has it all! Style, space, and the outdoor lifestyle of your dreams and an assumable loan! Schedule your private tour today!! This one won’t last!
Source: BRIGHT #MDCA2023110
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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.