412 Viola Ct N Bel Air, MD 21015
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About this home
Opportunity is knocking in the highly sought-after West Valley Oaks community! Welcome to 412 Viola Court N. Pride in Ownership in this beautifully maintained 4-bedroom, 2.5-bath Colonial blends classic charm with modern updates in a prime Bel Air location. From the inviting covered front porch to the fenced-in, flat backyard complete with a deck and firepit area, this home is ready for everyday living and effortless entertaining. Inside, you’ll find thoughtful touches throughout — including a spacious eat-in kitchen featuring stainless steel appliances (dishwasher and microwave 2025), a large pantry, and a center island perfect for meal prep or gathering with family. The family room’s gas fireplace offers a cozy place to unwind, while the formal dining room with tray ceiling adds an elegant touch for special occasions. A mudroom/work area off the garage keeps life organized and functional. Upstairs, the primary suite offers a retreat-like feel with engineered hardwood flooring, a walk-in closet, and a luxurious bath complete with a dual vanity and jacuzzi soaking tub. Bedrooms 2 and 3 each feature walk-in closets, and you’ll appreciate the crown molding accents in the second bathroom and bedroom 2. Unfinished lower level allows for your creative touch to finish or keep for additional storage. Recent updates include an architectural shingle roof (2018) and HVAC system (2023) for peace of mind. Washer and Dryer (2020) included. Enjoy the community’s sidewalk-lined streets and proximity to Lyn Stacie Getz Playground, Bel Air schools, and all the shopping, dining, and charm of downtown Bel Air—just minutes away. Homes in this $600K+ neighborhood don't last long! Priced to SELL! Option for buyers to have home furnished. Don’t miss the opportunity to make this beautiful home yours — it’s the perfect combination of comfort, convenience, and community!
Source: BRIGHT #MDHR2048742
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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.
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