3815 N Rogers Ave Gwynn Oak, MD 21207
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About this home
This home checks all the boxes! 3815 N Rogers Ave combines thoughtful and versatile living, show-stopping finishes, a fully finished basement, two outdoor living spaces, and off-street parking on a uniquely advantageous lot just a stone’s throw away from the Baltimore County line! Enter the front door and you’ll be swept away by the light-filled, open floor plan! At the heart of the home, your gourmet kitchen is as functional as it is stylish with its sprawling granite countertops, 42” cabinets providing abundant storage space, modern tile backsplash, and upscale stainless steel appliances! The adjacent room is spacious and flaunts space for a formal dining area and living room. Three large bedrooms with ample closet space and a remodeled full bathroom round out the main level. Below, the finished basement is a true highlight—accessible from both interior and private side entrances, it boasts an oversized living room, fourth bedroom, well-appointed full bathroom, and laundry area. Use it for a home theater, home gym, or separate space for a roommate, guests, or in-laws! Equally as impressive as the interior is the exterior – enjoy a large, flat yard without any homes currently directly behind it, space to park your vehicles, a charming covered front porch, and a sunny side deck. With all this home has to offer, you may never want to leave, but when you do, you’re conveniently located within a mile of the Baltimore County line, keeping this home in easy reach of modern conveniences including a Shop Rite grocery store, Home Depot, an array of restaurants, and commuter routes! Don’t let this one slip away; schedule a showing today!
Source: BRIGHT #MDBA2182966
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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.