9322 Alloway Dr Hagerstown, MD 21740
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About this home
Beautiful Amazing Dream Home In Westfields in Hagerstown This is a stunning home build in 2023. Open Modern style, with 5 bedrooms, 4.5 baths. Suburban Living at its best with easy access access to major Metropolitan hubs Only an hour drive from the heart of the Nation’s Capital. This Vibrant community is perfect for commuters and nature lovers. This Home is elegant and thoughtfully designed. Two-story foyer, and unmatched Two Story Family Room with Floor to Ceiling Natural Stone Fireplace is the true heart of the home. The formal dining room is setting the stage for memorable dinner parties for family and friends.. The sun-drenched living room invites you to relax, while the expansive A stacked-stone fireplace creates a cozy yet sophisticated ambiance, perfect for quiet evenings or lively gatherings. The chef’s dream kitchen features GE stainless steel appliances, an oversized chef’s island ideal for meal prep and entertaining, and 42-inch solid wood cabinetry for ample storage. A main level office room offers/ library, or even a first-floor bedroom is very convenient. Ascend the grand staircase, and you’ll find a light-filled second level designed for comfort and luxury. A dramatic overlook floods the family room with natural light, creating an open and airy atmosphere. Four spacious bedrooms and three full baths on the Upper level ensure plenty of space for family and guests. Centrally located laundry room on that level, provides convenience. The primary suite is a true retreat, featuring an elegant double-door entry, plush carpeting, and abundant natural light. The spa-like ensuite includes a two-person soaking tub, steam shower, and dual-sink vanity, creating a space of relaxation and comfort. With nearly 3500 square feet on two levels, this home has impressive, convenient and elegant layout. Full finished Lower Level offers you large Family room with sliding door to walk on a level yard , on a premium Lot with no houses behind you. The additional large bedroom and a full bath, all adds about 1,200 square feet of additional living space. The Westfield community offers amenities, for you and your family to enjoy living there. This includes scenic walking trails, tennis courts, and a community pool perfect for hot summer days. The oversized two-car garage, and prime location, adds to this home functionality.
Source: BRIGHT #MDWA2030728
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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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