9911 Ritchie Dr Ijamsville, MD 21754
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About this home
If you enjoy both entertaining and beautiful golf course views, this Holly Hills stunner is the place to be. Stately custom-built brick colonial with five bedrooms, four full bathrooms, plus two half bath/powder rooms, and four unique gas fireplaces. Ample space to unwind plus an incredible scenic backyard vantage point with sunrises and sunsets backing to the Holly Hills Country Club 13th fairway. Mature trees and landscaping, functional hardscaping including firepit area, and sparkling heated pool with tanning/play zone. Watch the annual fireworks at the HH clubhouse without even getting out of the pool! Additional relaxation zones include a eight person hot tub, peaceful three-season screen room with vaulted architectural ceiling and stone fireplace, finished lower level with walkout to backyard/patio, huge bar area with wine storage and kitchenette, and billiards table. Primary bedroom with ensuite bathroom featuring double-sided fireplace, corner soaking tub, and walk-in shower, high/tray ceiling, and dual walk-in closets with closet systems. New flooring throughout, open-concept kitchen with huge chef's island, with downdraft gas cooktop, second sink/dishwasher, under counter icemaker, and bar stool space for six. Second dining room area directly off of kitchen with vaulted ceiling and loft/second home office space above features a built-in liquor cabinet with lighting. Private first floor office with glass French doors, a formal curved staircase in the front and a more practical rear staircase just off of the kitchen/casual dining area perfect for servicing the back of house. The formal dining room is located just off of the open two-story foyer, and it features a custom painted nebulous galaxy mural and crystal orb chandelier. Brand NEW roof, newer two zone HVAC/furnaces (2022 and 2024), extra large commercial grade gas hot water heater (2022), LED lighting and ceiling fans throughout, and more. This well-loved home is located less than five minutes to Oakdale Schools, is just 10 minutes to downtown Frederick, and is only 30 minutes to the BWI airport corridor--and of course it's just up the street to the Holly Hills clubhouse--this home truly has it all.
Source: BRIGHT #MDFR2069670
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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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