VA loan
1 of 34
VA loan

2006 E Baltimore St, Baltimore, MD 21231

3 beds · 4 baths · sqft

A perfect blend of Victorian elegance and modern convenience, spanning over 3,000 square feet, this meticulously renovated townhome offers 3 bedrooms, 2 full & 2 half baths, and a dedicated parking pad. This beautiful residence welcomes you with gleaming oak floors, hand-wrought ornamental ironwork, artistic murals, four fireplaces, and thoughtful design details. Designed for both everyday living and entertaining, the main level maintains a traditional layout while offering an open sightline for seamless connectivity and a flood of natural light. The chef’s kitchen features professional-grade stainless steel Jenn-Air stove, wood cabinetry with dovetail drawers, granite countertops, and stainless steel appliances. Outdoor spaces are just as impressive. The ground floor includes a concrete patio with wrought iron fencing plus a custom gate that secures the courtyard. A wrought-iron Romeo and Juliet balcony adjoins a charming bedroom, while the third-floor primary suite boasts its own private multi-level deck with panoramic views of the city skyline and Johns Hopkins Medical Campus. Storage is plentiful, with multiple walk-in closets and a lower-level basement for additional space. Dual-zone heating and cooling ensure year-round comfort. Become part of the vibrant & historic Butchers Hill community. Live two blocks from Johns Hopkins Hospital and minutes from Fells Point, Canton, Harbor East, and all the amenities of downtown while being cradled by the best backyard in Baltimore, Patterson Park, spanning 137 acres and a hub for recreation, history, and community gatherings.

Location
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Details
Home
Lot size
0.04 acres
Year built
1900
Type
Townhouse
HOA dues
$0.00

Source: BRIGHT #MDBA2158054

Who can qualify

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%. 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.

Other resources
Frequently asked questions

What is Roam?

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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?

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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?

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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?

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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 “Get Notified” 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?

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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.

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Last updated: Mar 16, 2025 11:27 pm
Listing agent: Vernise Bolden (410) 645-0524
Listing provided courtesy of: Realty One Group Universal (443) 991-5942
Details provided by BRIGHT and may not match the public record.
MLS ID: #MDBA2158054
The data relating to real estate for sale on this website appears in part through the BRIGHT Internet Data Exchange program, a voluntary cooperative exchange of property listing data between licensed real estate brokerage firms in which Roam Brokerage, LLC participates, and is provided by BRIGHT through a licensing agreement. The information provided by this website is for the personal, non-commercial use of consumers and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Some properties which appear for sale on this website may no longer be available because they are under contract, have closed or are no longer being offered for sale. Information Deemed Reliable But Not Guaranteed. Copyright © 2025 Bright MLS. All rights reserved.
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Disclaimers
1 Roam connects buyers and sellers to homes with assumable mortgages via a concierge service. Roam does not offer or engage in mortgage lending activity.
2 30 day guarantee is subject to credit approval by your loan servicer.
3 The assumable interest rate shown for this assumable mortgage is an estimate using the average of interest rates in this home's area at the time of the last sale. The actual assumable interest rate may differ. Estimated payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Roam connects buyers and sellers to home with assumable mortgages via a concierge service. Roam does not offer mortgage loans, extend credit, make credit determinations, or otherwise engage in mortgage lending or brokering activities. The lender makes all credit and qualification decisions with buyers. Any determination to extend credit to a buyer is a decision by the lender, and not by Roam.
4 The lender makes all credit and qualification decisions with buyers. Any choice to extend credit to a buyer is a decision by the lender, and not by Roam.