9414 Stream Valley Ln Clinton, MD 20735
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About this home
Welcome to Mt. Airy Estates! This beautifully maintained three-level colonial offers a perfect blend of comfort, space, and timeless charm. Featuring 4 bedrooms, 3 full bathrooms, 1 half bath, a private office, and a 2-car garage, this home was designed with both everyday living and entertaining in mind. Step inside to a grand foyer with soaring ceilings that sets the tone for the open floor plan. The main level boasts an eat-in kitchen with plenty of room to gather, plus a separate breakfast area just off the kitchen leading to the family room. The family room’s cozy fireplace makes it the perfect spot for relaxing on chilly evenings. Upstairs, retreat to the spacious owner’s suite, complete with a private sitting room and a luxurious en suite featuring a soaking tub, double vanities, and a walk-in shower. Three additional bedrooms and a full bath with double vanities offer comfort and flexibility for family and guests. The finished basement is an entertainer’s dream, featuring a media room for movie nights or game days, with a walk-out to the backyard patio overlooking peaceful wooded views, your very own private retreat. Nestled in the desirable Mt. Airy Estates community, this home combines elegance and function, with all the space you need to live, work, and entertain in style. Don’t miss the opportunity to make this wonderful home your own! Schedule your showing today.
Source: BRIGHT #MDPG2164040
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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.