6712 Mountaindale Rd Thurmont, MD 21788
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About this home
Nestled in the charming community of Mountaindale, this delightful bungalow offers a perfect blend of comfort and nature. With 1,282 sq. ft. of living space, this three bedroom, one bathroom home is designed for those who appreciate both tranquility and convenience of Frederick. The detached garage is 24 X 32 with two oversized garage doors and concrete slab floor perfect for equipment or collectibles. The property backs to lush trees, providing a serene backdrop and a sense of privacy, while the partly wooded lot invites you to explore the beauty of the outdoors right in your own backyard. Imagine waking up to breathtaking mountain views of the Frederick Waterside and Gambrill State Park and scenic vistas that inspire relaxation and adventure. As you arrive, an enclosed front porch welcomes you and is a great spot to enjoy a morning cup of coffee. Step inside where a light neutral color theme creates an inviting atmosphere. Prepare your favorite meals in the updated kitchen that boasts stainless steel appliances, granite countertops, cabinetry with lighting underneath, a pantry, and convenient access to the side porch. Rich hardwood floors extend throughout the home, with open concept dining and living rooms, with sliding glass doors in the living room leading out to the expansive wraparound deck. Located on the main level is a full bathroom with a tub shower and linen closet. Also located on the main level are two bedrooms, one of which includes a full stacked washer and dryer that could be moved into the basement level. Ascend upstairs where the top level is dedicated to the primary bedroom with a cathedral ceiling and large walk-in closet. Relax and entertain out back on the deck that overlooks the spacious back and side yards. The surrounding neighborhood is rich with community spirit and a welcoming atmosphere. Enjoy leisurely strolls through nearby parks, where you can unwind or engage in recreational activities. The local schools are known for their commitment to excellence, making this area a desirable place for lifelong learning. Conveniently located, this home offers easy access to essential public services and amenities, ensuring that everything you need is just a short drive away. The detached garage and circular driveway provide ample parking, making hosting gatherings a breeze. This property is not just a house, it's a lifestyle. Embrace the harmony of nature and community in Mountaindale, where every day feels like a retreat. Don't miss the opportunity to make this enchanting bungalow your new home! Additional recent updates include an all new BAT septic system installed in 2021.
Source: BRIGHT #MDFR2072660
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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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