439 Holloway St, Middle River, MD 21220
4 beds · 5 baths · 2,480 sqft
Welcome to 439 Holloway Street, a stunning end-unit townhouse, offering the perfect blend of style, space, and convenience. This Ryan Homes Strauss model, the largest in their Composer Series, boasts a fourth level and a beautiful brick front elevation with a fully bricked side. As you enter the lower level, you'll find a versatile office space, a half bath, an oversized storage closet, and a rear entry two-car garage equipped with two EV charger outlets. The main level features luxury vinyl plank flooring throughout, a bright and spacious open-concept kitchen, dining, and living area with a gorgeous upgraded ceiling fan, and a second half bath perfect for entertaining. The kitchen is a chef's dream with a large island, built-in hutch/coffee bar, stainless steel appliances, and quartz countertops. Upgrades include matte gold cabinet hardware, a goose neck faucet, herringbone tile backsplash and upgraded refrigerator. Glass doors lead to an oversized deck with low-maintenance composite decking, perfect for morning coffee or dining al fresco. The bedroom level offers a luxurious primary suite with carpet, a large walk-in closet, a beautiful upgraded ceiling fan, and an ensuite bathroom featuring a dual sink vanity, an upgraded tile package, soaking tub, and a separate stand-up shower with gorgeous tile surround. This level includes two additional carpeted bedrooms, and a hall bath with a tub shower combo. The laundry room, including a convenient laundry tub, is also perfectly situated on the bedroom level. The fourth level presents a carpeted bedroom with a lovely upgraded ceiling fan, a full bathroom with a step in shower and a rooftop deck, providing a second outdoor retreat, the perfect spot to relax. Conveniently located near top-rated schools, Dandee Creek Marina, and state parks, this exceptional townhouse is ready to be your new home. Don’t miss out—schedule your tour today!
Source: BRIGHT #MDBC2113246
Financials
Source: BRIGHT #MDBC2113246
Source: Public records
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 resourcesWhat 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 “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?
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.
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.