684 213th St Pasadena, MD 21122
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About this home
Welcome home to this beautifully maintained stone-front single-family residence, offering comfort, space, and thoughtful upgrades throughout. After taking in the beautiful seasonal front yard Cherry Blossom tree, step inside to a bright, open main level featuring a large living room perfect for gatherings, an expansive dining room, and a convenient powder room. Fresh new carpet flows across the first and second floors, adding to the home’s clean, welcoming feel. The kitchen is warm and functional, offering abundant cabinetry, a dedicated pantry, stainless steel appliances, and plenty of room to cook and connect. From the dining room, step out onto the deck—ideal for morning coffee or evening relaxation—with stairs leading to the fully fenced backyard. Upstairs, the oversized primary suite is a true retreat with a massive walk-in closet and a spacious ensuite featuring dual sinks, an oversized soaking tub, a separate shower, and a private water closet. The upper-level laundry adds everyday convenience, while two additional oversized bedrooms share a full hall bath and decorative chalkboard wall for creativity. The recently renovated walk up basement is designed for entertaining or extended living, complete with a full wet bar and second full-size refrigerator, custom built-ins, abundant shelving, a full bathroom, and a versatile bonus room. Smart-home features include Ecobee thermostat, Hue smart bulbs in the basement, and CAT-5 cabling throughout—ready for Comcast or Verizon internet. Major systems are in excellent condition, with a 3-year-old roof and a 5-year-old HVAC system offering peace of mind. The garage has custom shelving for extra storage. The spacious attic has standing room and lots of storage space as well. Convenient to Rte 100.
Source: BRIGHT #MDAA2131246
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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.