6411 Ridge Rd Mount Airy, MD 21771
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About this home
Home is occupied and under surveillance - do not enter property without appointment. Welcome to 6411 Ridge Road, a spacious and meticulously maintained home nestled on a serene lot in Mount Airy. Boasting 5 bedrooms and 3.5 bathrooms, this home offers a rare combination of functional space, thoughtful updates, and charming custom features—ideal for multigenerational living, hobbyists, and anyone seeking comfort and versatility. Step inside to discover a main level designed for both everyday living and entertaining. The bright kitchen includes a built-in BBQ grill, electric stove, pantry, and an adjoining family room with a cozy wood-burning fireplace and access to a private patio. A tile-floored bedroom just off the kitchen offers flexible use for guests or a home office, while the convenient half bath and mudroom/laundry area—with front-load washer and dryer—add everyday practicality. The primary suite is a true retreat, complete with a large walk-in closet, private deck, and a luxurious en-suite bathroom featuring heated floors, a custom tile shower, dual vanities, and a cedar closet with a sauna hookup. Down the hall, you'll find additional bedrooms with heated floors and a beautifully updated hall bath with a custom shower. The fully finished basement expands your living space dramatically, offering a large workshop or storage room with its own fireplace, a spacious rec room, a full bath, and a bedroom—ideal for guests, hobbies, or potential in-law space. The basement also includes built-in shelving, a utility sink, and a freezer that stays with the home. Additional highlights include five sealed wood-burning fireplaces, tile flooring in the living areas, a 10-year-old roof, 2015 HVAC, 2024 water heater, a well water treatment system, and a regularly serviced septic system (WRF & Son Plumbing). The property also features a carport and an attached garage, three closets with attic storage, and Ring security cameras that convey. The well is located at the back left of the house, with a well pump that's only 10 years old. From the thoughtful interior upgrades to the incredible amount of storage and workshop space, this home is truly one of a kind. Don’t miss your opportunity to own a property that offers both lifestyle and longevity—schedule your private tour of 6411 Ridge Road today!
Source: BRIGHT #MDCR2028506
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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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