6935 Welchs Acres Pl, Hughesville, MD 20637
5 beds · 5 baths · 4,324 sqft
Welcome to this beautiful, custom-built Craftsman Colonial style home. The original homeowners have taken great pride in this home and have added many upgrades. There is an adorable Cape Cod style detached two story, two car garage with oversized bays that boasts a one bedroom/one bath apartment on the upper level. The apartment has a well-appointed kitchen with a farmhouse sink that is situated beneath the kitchen window to provide a view of the property. The laundry room is located downstairs. There is a private entrance with a new entry door and a stairway that leads to the upper-level apartment. The apartment is on its own separate septic and electric meter. There is no HOA. This space would be ideal for multi-generational living, guests, as a rental or as a private retreat. The main house has a beautiful front porch with brick columns and a lovely entry door. There are mature flowering bushes such as hydrangeas, butterfly bush, lilac, rhododendrons and berry bushes along with other flowering perennials. The property would be perfect for homesteading, mini-farming, gardening or just relaxing and enjoying the privacy. Welchs Acres Pl is a private drive with only two other properties. Located 3 miles from and facing the Patuxent river allows for taking in the most amazing sunrises from the front porch swing. The side load garage has access to a large mud room/laundry room with washer and dryer, built in cabinets and a stationary tub. Adjacent to the laundry room is a huge walk-in pantry with wrap-around shelving. There is also a full bath. The gourmet eat-in kitchen has custom Amish built Hickory kitchen cabinets, Absolute Black granite countertops, brand new (never been used) Samsung stove and Samsung Bespoke refrigerator. There is a large granite top kitchen island with pendant lighting making this the perfect space for food preparation or entertaining. Just steps away from the kitchen is the 14 x 35ft low maintenance Trex deck perfect for outdoor gatherings or peaceful relaxation. Adjacent to the kitchen is the spacious family room with a cozy propane fireplace. There are freshly finished wide plank, heart pine floors throughout the main level. The upper level has four bedrooms and four baths. The owner's suite has an impressive tray ceiling, ensuite bath with pocket doors, a soaking tub with jets, a large walk-in shower with double shower heads and a double vanity with custom Amish built cabinets and a spacious walk-in closet with shelving. There are three secondary bedrooms. One of the secondary bedrooms has an ensuite bath and a walk-in closet. The other two secondary bedrooms share a Jack and Jill bath and both have ample closet space. There is custom trim throughout the home. New wall-to-wall carpet and fresh paint throughout. Whole house water filter with water softener. New exterior doors for basement and kitchen. Walkout basement with 12 foot ceilings and full-sized windows to let in plenty of light. The basement has a full bath rough in. The home has a newer roof - replaced in October 2020. A newer 10 x 16ft pool shed with painted interior and potential to be finished into a she-shed or poolside hangout. Fully fenced backyard with above ground pool. There is so much to see and appreciate at 6935 Welchs Acres! Schedule your showing today! Professional photos will be uploaded soon.
Source: BRIGHT #MDCH2040114
Financials
Source: BRIGHT #MDCH2040114
Source: Public records
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 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.
Other resourcesWhat 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 “Get Notified” 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 580, 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.
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