44636 Birch Way, California, MD 20619
4 beds · 5 baths · 3,563 sqft
Get a free consultation call with an expert in the mortgage assumption process.
One-of-a-kind-find in Wildewood! Not your traditional Colonial, this amazing cul-de-sac home sits on 1.2 acres with garage space galore! 3,500+ sq ft of living space includes 4 bedrooms, 4.5 baths, and room after room of freshly painted possibilities! Natural light fills the tiled, 2-story foyer. A spacious living room centers on the stone hearth w/ gas fireplace. Gorgeous high-end cabinetry highlights the eat-in kitchen w/ granite counters, large island, stainless appliances, ceramic tile, double wall ovens, and under-cabinet lighting. Off the kitchen, create a family room, study, or home office w/wood-burning FP and built-ins. Serve your finest meals in the formal dining room w/ Bay window bump out. Enjoy outdoor living on the shady front porch, freshly-stained wrap-around deck, and under-roof, on the comfy screened-in porch. The level yard has room to play, and is partially fenced - great for pets and kids! New carpet weaves its way through the living room, and all upstairs bedrooms. The primary bedroom has an attached bath, big walk-in closet, and laundry chute to the main floor laundry-mudroom w/ durable LVP flooring. Three nice-size bedrooms, and an updated hall bath w/ tiled tub-shower, double sink & heated towel rack w/timer complete the upper level. With an attached 1-car garage, and 4 more detached bays, this property is a car lover's dream! Workshop and separate storage areas, too. Google NEST provides security for the detached garages. The 24x32 garage has HVAC, full bath, and a 240V/50AMP EV-camper charging station. Above the garage is a bonus room w/ 4th full bath. It's big enough for all your fitness equipment, a home theater, or multiple game tables. Mature trees and nicely landscaped. Amenities include tennis, playground, clubhouse, and lake w/ trails. Pool membership available for separate fee. This desirable location is minutes from main commuter routes, shopping, and restaurants. Don't miss your opportunity at this exceptional, one-of-a-kind-find! Request your showing today!
Source: BRIGHT #MDSM2023476
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 #MDSM2023476
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.