14310 Turner Wootton Pkwy, Upper Marlboro, MD 20774
5 beds · 6 baths · 5,752 sqft
Nestled in the prestigious, gated golf course community of Oak Creek, this luxurious 5-bedroom, 5-full-bath, and 1-half-bath estate redefines sophisticated living. With an exquisite blend of elegance and modern comfort, this stunning residence is tailor-made for the discerning buyer seeking both style and substance. From the moment you step into the grand two-story foyer, you’re welcomed by the impressive double staircase, setting the tone for the rest of the home. The main level features a gourmet kitchen outfitted with top-of-the-line stainless steel appliances, perfect for culinary adventures or entertaining in style. For even more entertaining options, a fully equipped second kitchen awaits in the finished basement. The expansive master suite is a true retreat, offering a sitting area, custom-designed closets, and a spa-like en-suite bathroom that includes a luxurious steam shower and heated toilet seat. Every upper-level bedroom is a private sanctuary, each complete with its own en-suite bathroom and walk-in closet. The family room is equally captivating, boasting soaring two-story coffered ceilings and a cozy fireplace. Fireplaces can be found on every level, including a striking double-sided fireplace in the master suite. Entertaining is effortless with a private cigar lounge, a fully equipped theater room in the basement, and a chic bar. For those needing flexible spaces, the main-level office can easily serve as an additional bedroom. Car enthusiasts will appreciate the garage’s car lift, allowing for a third parking space. Additional perks include a pool table and state-of-the-art theater room equipment, all thoughtfully included by the seller. With its refined features and resort-like amenities, this home offers the epitome of luxury living in an exclusive setting.
Source: BRIGHT #MDPG2147264
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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
Source: BRIGHT #MDPG2147264
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. When you apply for the loan, you must attest that the home will be your primary residence for 12 months to be approved for an FHA assumption. Most lenders will ask that you move in within 60 days.
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.
What is Roam?
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.
What is an assumable mortgage?
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.
Why is an assumable mortgage valuable?
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.
How can you find assumable mortgage listings?
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.
How do I qualify for an assumable mortgage?
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.
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