4108 Brushfield Dr, Frederick, MD 21704
4 beds · 5 baths · 4,900 sqft
This is the one you’ve been waiting for…Urbana living at its finest, 4108 Brushfield Drive! Welcome to this stunning 4-bedroom, 4 full and 1 half bath home, located in the highly sought-after Urbana community! This beautifully designed home offers a perfect blend of luxury, functionality, and style, with a host of premium features that will suit a variety of lifestyles. Step inside to find a spacious, open layout with fine finishes throughout, including elegant plantation shutters and a cozy gas fireplace with stone hearth/surround that adds warmth and charm to the living area. The main level boasts a split living room and dining room off the foyer, leading into an incredible kitchen! Beautiful cabinetry… updated, high-end stainless steel appliances, granite counters, along with a large pantry to accommodate all your storage needs make this the heart of the home! Opening into an eating area that flows seamlessly into the family room, enjoy relaxing family evenings or entertaining a crowd here! Need a quiet space to work? A versatile office tucked away off the kitchen is ideal for remote work or quiet study time. The wrap-around front porch is a dream… offering plenty of space to rock, read, and enjoy your morning coffee! Upstairs, which has all new carpet, the impressive primary suite is a true retreat, featuring a tray ceiling, two walk-in closets, and a spacious sitting room. This versatile sitting room can easily be transformed into a private reading nook, a home gym, or even a nursery – the possibilities are endless! You will also find three generously-sized bedrooms. Two bedrooms share a well-appointed Jack and Jill bathroom, while the third bedroom enjoys the luxury of its own private bathroom, ensuring both comfort and convenience for all family members or guests! The newly-carpeted walk-out basement is a dream come true, offering a large recreation room for entertainment, a dedicated home gym for your fitness needs, and a den that can be used as an office or a guest room. A full bathroom and ample storage space complete this level, providing all the room you need for relaxation, work, and play. Outside, this home truly shines. Enjoy outdoor living on the expansive deck, which overlooks beautiful trees and open space, offering privacy and tranquility. Perfect for grilling, dining al fresco, or just relaxing and taking in the serene surroundings! The large screened-in porch off the basement, complete with a hot tub, is ANOTHER perfect spot to unwind after a long day. Located in sought-after Urbana with top-rated schools, parks, and amenities, and more, this incredible property offers the perfect combination of elegance and practicality. A “unicorn” that has it all! Welcome to 4108 Brushfield Drive… Welcome HOME!
Source: BRIGHT #MDFR2059966
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 #MDFR2059966
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 of Equal Opportunity Act.