415 Creekside Trl Fruitland, MD 21826
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About this home
Completed in 2021 by DR Horton, this inviting four-bedroom, two-bath home blends modern design with everyday comfort in one of Salisbury’s most convenient locations. An open floor plan highlighted by luxury vinyl plank flooring flows throughout the main living spaces, creating a bright and welcoming atmosphere. The kitchen and living areas are thoughtfully designed for both daily routines and entertaining, while two full baths feature contemporary finishes for comfort and style. Step outside to enjoy a private fenced backyard, framed by a classic white fence and perfect for relaxing, gardening, or gathering with friends. Beyond the yard, a tranquil pond view adds a peaceful backdrop to your days. This quiet community feels tucked away yet offers quick access to everything Salisbury has to offer. Just minutes from the Route 13 Bypass, the home provides an easy drive to local restaurants, shopping, Salisbury University, and the hospital, while Ocean City, and Assateague Island are within a short trip for weekend escapes. With its modern construction, thoughtful layout, and prime location, 415 Creekside Trail is the perfect retreat that keeps you connected to it all. Schedule your private showing today.
Source: BRIGHT #MDWC2019982
Loan details
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Close stress-free in 45 days, handled start to finish by Roam.
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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.