9416 Bellhall Dr Nottingham, MD 21236
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About this home
Don’t miss the chance to own this 3-bedroom, 3-bath raised rancher set on an expansive fenced corner lot with a garage! The thoughtfully landscaped yard leads you inside to a freshly painted main level featuring luxury vinyl plank flooring throughout. From the foyer, step into the inviting eat-in kitchen with stainless steel appliances, display cabinetry, and a breakfast bar perfect for casual dining. The open floor plan connects the kitchen to the spacious living and dining area, where sliding doors open to a screened deck complete with a ceiling fan; for relaxing or entertaining while overlooking the fenced rear lawn with a storage shed for organizing your gardening tools, lawn equipment, and seasonal items. The primary bedroom suite offers a private retreat with its own en suite bath, while two additional bedrooms and an updated hall bath with modern lighting, flooring, and vanity complete the upper level. The finished lower level extends your living space with a recreation room with walk-out, a cozy pellet stove, a versatile bonus room ideal for additional storage, an office easily suited as a home gym or studio, laundry facilities, a full bath, and direct access to the garage. Ideally located near I-695 and I-95, with abundant shopping and dining options nearby, this home combines comfort, flexibility, and convenience, so quickly schedule your tour today!
Source: BRIGHT #MDBC2117116
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Close stress-free in 45 days, handled start to finish by Roam.
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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.