4609 Queens Grove St, White Plains, MD 20695
5 beds · 4 baths · 2,912 sqft
Welcome home to 4609 Queens Grove St with a 5.75% VA assumable loan for those who qualify Beautifully maintained and ready for move in, this 5 bed, 3.5 bath home is a must see! This freshly painted (2022) single family home boasts one of the largest corner lots in Kingsview! This property presents well with amazing curb appeal and large attached 2-car garage. Gleaming hardwoods throughout the main level reflect abundant natural light pouring in from front and rear facing double pane windows (2014). Large and open living room flows to a breakfast area with access to a large private deck that backs to a beautiful patio with a fully fenced-in yard and gazebo. The private deck is perfect for relaxing or entertaining your guests. The kitchen features stainless steel appliances, granite countertops, large island, spacious cabinets featuring an updated (2024) backsplash rounding out the versatile space. The laundry room is also featured on the main level. Ascend to the upper level and you are greeted with NEW luxury vinyl plank (LVP) throughout (2021). Large primary suite features a primary bathroom featuring a spacious walk-in closet. The full bath features luxurious porcelain tile flooring, and a tub/shower combo. 2 additional large bedrooms with plenty of closet space round out the upper level. The lower level features a 3rd full bathroom, 2 bonus/rec rooms. The basement is wired for surround sound ideal for a theater room. New HVAC was installed in 2023 and a radon mitigation system installed in 2025 (warranty transferrable). Centrally located between JB Andrews, JB Anacostia-Bolling and Naval Air Station Patuxent River. Close to the National Harbor, Tanger Outlets, with easy commuting access to Indian Head Hwy/I-495/I-295. Within a mile of shopping, dining and errand to-do options and yet still tucked away not on a busy street. High-quality, well-maintained home providing the convenience of an established community. VA assumable (5.75%) option for well qualified buyers.
Source: BRIGHT #MDCH2041102
Send questions to support@withroam.com
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 #MDCH2041102
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.
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.