4960 Joshua Thomas Rd, Crisfield, MD 21817
5 beds · 3 baths · 3,237 sqft
Are you looking for an amazing waterfront home with easy access to the Chesapeake Bay? Then you need to check out this this stunning 5-bedroom 3 bath home. This home is perfect for those who love water activities like fishing, crabbing, or just a nice day on your boat. From your 38 foot long private dock with boat lift you can easily access the Big Annemessex River and the Chesapeake Bay. Don’t feel like taking the boat out, then you catch your own crabs from the dock. This property is situated on a little over a half-acre end lot and features over 300 feet of water front that is rip-rapped on two sides of the property. The first floor consists of three bedrooms, two baths, living room, dining room, kitchen, laundry room, and an all-seasons sun porch that looks out over the water. The second floor provides 2 additional large bedrooms, bonus space, and another full bath complete with a luxury soaking tub to sooth and relax. As you enter the home there are 2 guest bedrooms on your left that both have water views along with a full bath convenient to both bedrooms. As you proceed through foyer area you will enter a large open concept area featuring the kitchen, living, and dining areas. Adjacent to the living area is the large all-season porch with a view of the water. The primary suite bedroom and luxurious bath are just off the kitchen and the laundry room is just down the hall. The kitchen features a pantry along with plenty of cabinet and counter space along with a large island. As you exit the stairs at the second floor the beautiful full bath will be on your left and immediately to your right is the large bonus area. Also to your right is another large living area perfect for games and activities and another bedroom. The living area has 2 dormers that overlook the water and provides plenty of natural light. The home has beautiful hardwood flooring in all the living areas, carpets in the bedrooms and tile work in all bathrooms, and kitchen. There is also an oversized 2-car garage provides ample space for your vehicles and storage. and an additional 12x24 storage shed on the property. The home is equipped with a 2-zone energy-efficient geothermal heating and cooling system that keep this home comfortable year-round. This home is perfect for entertaining family and friends, enjoying the good life on the water, or as peaceful retreat to get away from it all. The town of Crisfield is about 10 minutes away. Crisfield conducts several events that are crowd pleasers such as the Crab Derby and the Tawes Clambake just to name a few. The beautiful Atlantic beaches of Maryland and Virginia are just a short drive away and there are several state parks for you to enjoy that are just minutes away. Be sure not to miss out on this one. Schedule your tour today!
Source: BRIGHT #MDSO2005602
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Rates and payments are estimates based on public records.
Source: Public records
All values shown are estimated costs / mo.
Source: Public records
Source: BRIGHT #MDSO2005602
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.