5430 Forest Kelly Ct, Elkridge, MD 21075
4 beds · 3 baths · 4,124 sqft
Impressive brick-front Colonial home in sought-after Grovemont Overlook, meticulously maintained by its original owners. Designed with both elegance and comfort in mind, this spacious residence is filled with natural light and features updated hardwood flooring, offering inviting and spacious living spaces that feel both timeless and modern. A grand two-story foyer welcomes you inside, leading to a bright living room and a charming bay window. Stately columns define the formal dining room, creating a seamless yet sophisticated transition between spaces. Opposite the living room, a private study features French doors and atrium windows, making it an ideal home office or library. Down the hall, you'll find a recently renovated powder room and a mudroom. The beautifully updated kitchen, renovated in 2025, boasts hardwood floors, quartz countertops, crisp white cabinetry, an oversized island, recessed lighting, and all-updated stainless steel appliances. A breakfast bar extends into the sunlit breakfast room. Adjacent, the expansive family room offers a cozy retreat with a striking floor-to-ceiling stone gas fireplace and ample space for gathering. Upstairs, convenience meets luxury with a dedicated laundry room, two recently renovated full bathrooms, and four generously sized carpeted bedrooms. The primary retreat is a true haven, featuring a spacious sitting area, a walk-in closet, and an en-suite bathroom with a dual-sink vanity, a separate shower, and a soaking tub for ultimate relaxation. The fully finished lower level provides endless possibilities, offering an expansive open space with walk-out access to the backyard, perfect for recreation, entertaining, or additional living space. A dedicated storage room adds extra convenience. Outdoor living is just as impressive, with an oversized maintenance-free composite deck with retractable shading to enhance your comfort. A beautifully open yard framed by a tranquil tree-lined serves as the backdrop. Grovemont Overlook is located just 10 minutes from the Dorsey MARC Train Station, which offers free parking and direct service to Union Station in Washington, D.C., and only 20 minutes from BWI Airport.
Source: BRIGHT #MDHW2051076
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 #MDHW2051076
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.