639 Tivoli Rd Frederick, MD 21703
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About this home
Spacious and Stylish Townhome in Ballenger Creek with Rare 3-Level Bump-Out and Modern Upgrades Welcome to 639 Tivoli Rd, a beautifully updated 3-bedroom, 2-bathroom townhome nestled in the sought-after Ballenger Creek community. Offering one of the largest layouts in the neighborhood with over 2,000 sq ft of living space, this home delivers comfort, functionality, and room to grow. As you step inside, you’re greeted by gleaming wood floors that extend through the main level’s open-concept living, dining, and kitchen areas. The recently renovated kitchen features contemporary finishes, recess lighting, and flows seamlessly to the dining area and sliding doors leading to a patio backing to mature trees — perfect for morning coffee or evening gatherings. Upstairs, the second level offers a flexible layout with a spacious family or entertainment room, a full bath, and a generously sized bedroom. The third floor boasts two large bedrooms connected by a Jack-and-Jill bathroom, ideal for convenience and privacy. Brand-new carpet throughout and a freshly replaced roof (2025) ensure peace of mind and a move-in ready experience. The home’s rare three-level bump-out adds valuable square footage across all floors, providing extra room for entertaining, relaxing, or working from home. A 1-year 2-10 home warranty is included by the sellers for added buyer confidence. Located minutes from major commuter routes (I-70, I-270, Route 15), top-rated schools, local parks, trails, and shopping centers, this home blends suburban convenience with a peaceful residential setting. Don't miss this opportunity to own one of the most spacious townhomes in the area — schedule your showing today!
Source: BRIGHT #MDFR2071702
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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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