3623 Duckhorn Way Laurel, MD 20724
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About this home
Back on the market, pending the signed release. Exquisite Townhome in Spring Creek – Offered at $505,000 Assumable VA Loan at an Incredible 2.5% Interest Rate Available Welcome to 3623 Duckhorn Way, nestled in Laurel’s amenity-rich Spring Creek community. This sun-drenched townhome blends modern elegance and everyday convenience across three spacious levels. Main Level Highlights Wide-plank luxury vinyl flooring and recessed lighting enhance the open-concept living and dining areas. The chef’s kitchen features granite countertops, stainless steel appliances, a generous entertainer’s island, and a cozy breakfast nook. Upper Level Retreats The serene primary suite boasts a tray ceiling with crown molding, a walk-in closet, and a spa-inspired bath with dual granite vanity and a shower with seating and decorative tile inlay. Two additional bedrooms, a full bath, and a laundry room complete this level. Lower Level & Outdoor Living The versatile lower-level family room offers direct access to the backyard via sliding glass doors, plus a powder room and garage entry for added convenience. Step outside to a spacious no-maintenance deck that backs to the woods, offering enhanced privacy and a peaceful natural setting—perfect for entertaining or unwinding. Nearby Shopping & Dining Enjoy proximity to top retail destinations including: Towne Centre at Laurel Corridor Marketplace Laurel Lakes Centre Laurel Shopping Center Maryland City Plaza Centre at Laurel College Park Marketplace Military Access Ideal for military personnel, with easy access to: Fort George G. Meade Joint Base Andrews Baltimore MEPS Community Perks Spring Creek offers a community pool, clubhouse, and beautifully landscaped grounds—all just minutes from major commuter routes. With 3 bedrooms, 2.5 baths, and over 2,160 square feet of finished living space, this 2020-built Colonial-style townhome delivers comfort, sophistication, and location—all for $505,000. Bonus: The seller is offering an assumable VA loan at just 2.5%—a rare opportunity to lock in a low rate and save thousands over time.
Source: BRIGHT #MDAA2123550
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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.