14165 Shelwick Pl, Hughesville, MD 20637
5 beds · 5 baths · 5,895 sqft
Get a free consultation call with an expert in the mortgage assumption process.
From the grand two-story foyer to the backyard pool, this home is built to impress. Set on over 3 acres, this gorgeous 5-bedroom, 5-bath brick-front home is packed with space, comfort, and sophistication. Step inside to a dramatic two-story foyer, gleaming hardwood floors, and soaring 10’ ceilings. The main level offers a bright living room, formal dining room, private office, and a family room with a cozy gas fireplace. The chef’s kitchen is ready for anything with granite counters, a large island with a second sink, a gas cooktop with downdraft, a butler’s pantry, and a sunny breakfast area. Also, there’s a full bath and a mudroom leading to the 3-car garage, plus expansive parking potential with space for 10+ vehicles—ideal for hosting guests or accommodating RVs, boats, and trailers. Upstairs, the oversized primary suite wows with a tray ceiling, a sitting area, his-and-hers walk-in closets, a two-sided fireplace, and a spa-like bath featuring a jetted tub and separate shower. Two bedrooms share a Jack & Jill bath, while two more bedrooms have easy access to another full hall bath. Plus, the basement bedroom has been converted into a media room. The finished basement is packed with extra living space and versatility—featuring a bonus room that can serve as a guest room, a second primary-style bathroom with a jetted tub, a spacious rec room complete with a kitchenette, a cozy gas fireplace, and direct walk-up access to the backyard. Outside, enjoy a deck, a patio, and an above-ground pool, all overlooking the fully fenced, flat backyard — perfect for pets, playtime, and gatherings. Major updates include a new roof (2020), new windows and doors (2022), new HVAC (2021), and leaf-filtered gutters. With over 6,000 square feet of finished living space and just a few miles from shops, restaurants, and commuter routes, this home checks every box. See for yourself, give us a call today!!
Source: BRIGHT #MDCH2041950
Learn about how it works
Why Roam
Gap financing to lower your down payment
Unlock down payments as low as 5% – only with Roam
5x the likelihood your offer is accepted
If a purchase takes longer than 45 days, we’ll cover the seller’s mortgage until you close
Close faster and stress-free
We close 2x faster because of our deep experience and lender relationships
Rates and payments are estimates based on public records.
Source: Public records
All values shown are estimated costs / mo.
Source: Public records
Source: BRIGHT #MDCH2041950
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.