526 Broadneck Rd, Annapolis, MD 21409
4 beds · 7 baths · 4,000 sqft
Get a free consultation call with an expert in the mortgage assumption process.
Welcome to 526 Broadneck Road, where every corner of this beautiful property feels like a breath of fresh air and every space invites you to slow down, stretch out, and savor the good life. From the moment you arrive, the warmth of the brick-front porch and the quiet charm of the swing beckon you to sit for a while and take in the view of the manicured lawn and garden beds. Step inside, and the home instantly wraps you in a sense of grace and ease—wide hallways, rich hardwoods, and soft natural light set the tone for a life well lived. The heart of the home flows effortlessly from room to room, with tall ceilings, architectural trim, and open sightlines that create both grandeur and intimacy. The fireside family room feels like the place where laughter lingers long after the guests have gone. The gourmet kitchen is not just for cooking—it’s for gathering, connecting, creating memories. With its oversized island and chef-grade features, it’s where mornings begin and holidays are made. Nearby, the sunroom is a sanctuary—radiant heat warms the floors underfoot while cathedral ceilings soar above, and doors open to a dreamy outdoor haven complete with a sparkling pool, gardens, firepit, and space to dance under the stars. Every bedroom is a private retreat, designed with comfort and quiet in mind. The primary suite is indulgent in the best way—expansive yet cozy, anchored by a fireplace and wrapped in calm with its own spa-like bath and private sunroom that feels like your own corner of paradise. Even the lower level, with its kitchenette and full suite, echoes the same thoughtful design and effortless style. And just steps away, a detached guest cottage provides the perfect space for visiting friends, a home office, or an inspiring studio—bathed in light and overlooking the pool, it’s a peaceful hideaway with a world of possibility. This home isn’t just beautiful—it lives beautifully. It’s made for multigenerational living, for hosting joyful celebrations and quiet Sunday mornings, for kids splashing in the pool and stories shared by the fire. It's a place where everyone has room to be together and space to be themselves. Tucked into one of the most desirable neighborhoods in the area, with top-tier schools and unbeatable access to shopping, dining, and the Bay, this is more than a home—it’s a lifestyle, and it’s waiting for you.
Source: BRIGHT #MDAA2110978
All values shown are estimated costs / mo.
Source: Public records
Source: BRIGHT #MDAA2110978
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.