120 Deputed Testamony Pl, Havre De Grace, MD 21078
3 beds · 4 baths · 2,906 sqft
Get a free consultation call with an expert in the mortgage assumption process.
Welcome to your dream home in the prestigious Bulle Rock community of Havre De Grace! This stunning Griffin Hall model is an interior Colonial-style villa townhome boasting 3 bedrooms, 3 full bathrooms, 1 half bathroom, and over 3,684 finished square feet of luxurious living space. Nestled on the golf course side of Bulle Rock, this home offers an unparalleled blend of elegance, comfort, and convenience. As you step into the grand foyer, you're greeted by gleaming hardwood floors, crown molding, and a breathtaking two-story ceiling. An arched doorway gracefully leads you into the main living area, setting the tone for the sophisticated design throughout the home. To your right, a chic half bath features hardwood flooring and sconce lighting—perfect for guests. The gourmet kitchen is a chef's delight, complete with granite countertops, stainless steel appliances, and a double wall oven. Two expansive islands provide ample workspace and seating; one features a breakfast bar adorned with pendant lighting and wainscoting. A spacious pantry and recessed lighting add to the kitchen's functionality and style. Adjacent to the kitchen, the elegant dining room showcases hardwood floors, wainscoting, and crown molding. Columns frame the entry into the living room, where a two-story vaulted ceiling and a cozy gas fireplace with a mantel create an inviting atmosphere. Hardwood floors continue here, complemented by a ceiling fan and a sliding glass door that opens to the rear deck—ideal for indoor-outdoor entertaining. The main-level primary suite is a tranquil retreat, featuring plush carpeting, a ceiling fan, and a generous walk-in closet. The attached bath boasts ceramic tile flooring, a dual vanity sink with sconce lighting, and a walk-in shower. Ascend the staircase to find a versatile loft area overlooking the living room below. This space is perfect for a home office, reading nook, or play area, complete with carpeted flooring, a ceiling fan, crown molding, and recessed lighting. Two additional bedrooms offer comfort and space—both with carpeting and ceiling fans. One of which includes a walk-in closet for extra storage. A full bathroom on this level features ceramic tile flooring, an elongated vanity with sconce lighting, and a tub-shower combo. Additionally, a convenient storage room provides extra space to keep your belongings organized. The lower level expands your living space with a spacious recreation room and family room, both featuring carpeted floors and recessed lighting—perfect for movie nights or game days. A full bathroom with ceramic tile flooring, a tub-shower combo, and sconce lighting adds convenience. Part of the basement remains unfinished, including an unfinished utility room with concrete flooring, offering potential for customization to suit your needs. Step outside to a charming rear deck with stairs leading down to the backyard—a serene spot for morning coffee or evening gatherings. The home's exterior also includes a two-car attached garage, an asphalt-paved driveway, and additional on-street parking for guests. Living in Bulle Rock means enjoying a resort-like lifestyle. The 37,000 sq ft Residents' Club offers indoor and outdoor pools, a full gym, a billiards room, tennis courts, pickleball, and more. The community takes care of lawn maintenance, snow removal, and trash services, allowing you to spend more time enjoying the miles of walking trails, playgrounds, and the nationally ranked Bulle Rock Golf Course. Residents also receive exclusive discounts on golf, dining, and merchandise. Don't miss this exceptional opportunity to own a piece of luxury in one of Havre De Grace's most sought-after communities. Schedule your private tour today and experience all that this remarkable home and neighborhood have to offer!
Source: BRIGHT #MDHR2037670
All values shown are estimated costs / mo.
Source: Public records
Source: BRIGHT #MDHR2037670
To qualify, you must meet the current FHA or VA 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%. 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.
FHA (Federal Housing Administration) loans
FHA loans require the buyer to assume the mortgage as a primary residence.
VA (Veteran's Affairs) loans
You don't have to be a veteran to assume a VA loan. However, not all veterans are willing to let a non veteran assume their mortgage. Roam confirms the seller's willingness prior to you making an offer.
Investors
You may be able to assume a VA mortgage as an investor without it being your primary residence.
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.
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.
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 620, 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.
Roam is committed to and abides by the Fair Housing Act and Equal Opportunity Act.