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1815 Granby Way
Frederick, MD 21702
Love the home. Let’s talk payment. Two ways in: $0 down payment options, or special financing with rates starting as low as 3.99% for qualified buyers. Call Liz at (301) 401-3021.
Listed below recent appraisal · MLS MDFR2091464 · Walnut Ridge
Section 1 — Lowest Payment: The 3-2-1 Buydown
A seller-funded temporary buydown, structured into a creative offer. Your payment starts low and steps up once a year for three years. Subject to an acceptable offer, seller agreement and lender approval. This path does require a down payment (5% down in the scenario below).
3.99% Year 1 payment rate* · $4,144.92/month principal & interest
| Period | Payment rate* | Monthly P&I |
|---|---|---|
| Year 1 | 3.99% | $4,144.92 |
| Year 2 | 4.99% | $4,661.01 |
| Year 3 | 5.99% | $5,206.01 |
| Years 4–30 | 6.99% | $5,777.31 |
Taxes, insurance, HOA and mortgage insurance are additional.
How the scenario is built
- Creative offer price: $915,000 (list price $875,000 + buydown funding).
- 5% down: $45,750 · Loan: $869,250 · 30-year fixed at a 6.99% note rate.
- Buydown funding requested: $40,000 (estimated buydown cost $39,840).
- Comparison payment: $5,670.59/month at 7.25% on the $831,250 base loan (95% of the $875,000 list price).
APR 7.210% — The 3-2-1 buydown scenario above carries a 6.99% note rate with 7.210% APR. Based on an 800 credit score, 5% down payment, first-time homebuyer. Rates as of November 8, 2026. Rates subject to change without notice.
Section 2 — $0 Down, 100% Financing
For qualified buyers. Paths to buy this home with no down payment of your own. Paul will check which path fits you.
- VA buyers first: $0 down for eligible veterans — the lead path for this home.
- Creative 100% financing: 100% financing options with no income caps, for qualified buyers.
- Maryland Mortgage Program (MMP) assistance may also apply if your income qualifies.
Seller help may apply with an acceptable offer. Talk to Liz and Paul about how an offer can be structured for this home.
Why This Home Stands Out — Walnut Ridge
- Listed below recent appraisal — priced under its recent appraised value.
- 7,738 sq ft, 5 beds, 4.5 baths — a large brick Colonial in Walnut Ridge.
- Built 2006 — Frederick, MD 21702.
- At this size and price point in Walnut Ridge, terms can matter as much as price. That is exactly what the two paths above are built for.
How the Creative Offer Works
See the house and the neighborhood in person.
Go through the 3-2-1 buydown and the $0-down paths for this house, line by line.
The financing is structured into the offer, subject to an acceptable offer, seller agreement and lender approval.
Two Flyers for This Home
One for each path. Open either full size or save it to share.
