Germantown MD Real Estate & Homes for Sale

SPACIOUS, UPDATED UPPER LEVEL 3 BEDROOM/2.5 BATHROOM, TWO STORY CONDO (Over / Under) IN HIGHLY DESIRABLE MILESTONE NEIGHBORHOOD. FULL SIZED WASHER & DRYER IN UNIT. This bright and roomy home has been freshly painted and cleaned. The main level has an open floor plan with large family room and dining room which adjoins the kitchen. There is also a 1/2 bath on this level, as well as the washer and dryer. Upstairs you will find the primary bedroom with large walk-in closet and en-suite bathroom. Plenty of room in bedrooms 2 and 3. UPDATES include new windows (2021), new flooring (2021), GREAT MILESTONE AMENITIES including community pool, common areas and walking paths, tennis and basketball courts, and multiple playground areas. BEST location in Germantown, only 5 minutes to Milestone shops, grocery stores (including Wegmans) and restaurants. Want some ice cream on these hot summer days? Jimmie Cone in Damascus is only 15 minutes away. Super easy access to I-270, only 10 minute drive to Germantown MARC station.

Beautifully renovated and completely move-in ready! This updated 2-level condo townhome features 3 bedrooms and 1.5 baths with modern finishes throughout. Luxury vinyl plank flooring runs throughout the home, creating a clean, contemporary feel and easy maintenance. The renovated kitchen offers granite countertops, stainless steel appliances, and ample cabinet space, opening to comfortable living areas perfect for everyday living and entertaining. The flexible two-level layout provides great separation of space, while the walkout lower level adds additional living area ideal for a recreation room, home office, or guest space. With fresh updates throughout and true turnkey condition, this home is ready for its next owner to move right in and enjoy. Conveniently located near shopping, dining, parks, and major commuter routes.

ABSOLUTE SHOWSTOPPER! $45,000+ IN RECENT UPGRADES! Welcome to this impeccably renovated and sun-drenched end-unit townhouse in the highly sought-after Cloverleaf community.freshly paint throughout; it is a meticulously updated home where every major system has been replaced for your peace of mind. UNBEATABLE UPGRADES (2025-2026): Mechanicals & Exterior: BRAND NEW Roof, BRAND NEW Furnace & Heating System, and BRAND NEW Water Heater,Freshly painted, power-washed wall, deck and stairs. Chefs Kitchen: Stunning new Quartz countertops paired with brand-new stainless steel appliances, including a gas range, refrigerator, dishwasher, and microwave. Interior Luxury: Fresh designer paint throughout, beautiful new wood flooring on the main level, and plush new carpeting in the bedrooms. Pure Comfort: Professional duct cleaning performed for pristine air quality, new garage door opener, and a brand-new washer/dryer set. The open-concept main level flows seamlessly to a private deck, perfect for outdoor entertaining. The primary suite features vaulted ceilings and a spa-like ensuite bath. The walk-out lower level offers ultimate flexibility for a home office, gym, or media room. PRIME LOCATION: Minutes to I-270, Wegmans, Target, and Milestone Shopping Center. Enjoy nearby Black Hill Regional Park for outdoor recreation. True "Turn-Key" living at its finest-simply move in and enjoy! This gem won't last long.

Beautifully maintained two-bedroom, two-bath ground-level condo offering comfort, convenience, and easy one-level living with no stairs. Freshly painted with updated vinyl plank flooring and a spacious, functional layout that includes a large living and dining area, gas fireplace, and in-unit washer and dryer. The well-equipped kitchen features ample cabinetry, generous counter space, and appliances including a gas stove, built-in microwave, dishwasher, and refrigerator with ice maker. The primary suite offers a private bath and an oversized walk-in closet, while the second bedroom is generously sized with excellent closet space and access to a full hall bath. Enjoy a covered patio with extra storage, abundant parking, and a walkable location close to shopping, public transit, and local amenities. community with pool and playgrounds. Move-in ready and in above-average condition.

Rarely does a home become available that offers both a prestigious address and the ultimate in outdoor privacy. Nestled on one of the premier lots in the sought-after Brownstown Estates community of Germantown, MD, this stunning residence provides a serene escape from the everyday hustle while keeping you minutes from everything you need. Prepare to be captivated by the exterior of this property. Unlike many suburban homes, this lot offers sweeping open land on one side and an unobstructed, breathtaking view in the rear. With no other homes directly behind you, your backyard feels like a private park. Whether you are hosting summer galas or enjoying a quiet morning coffee, the expansive deck, large storage shed, and sparkling in-ground pool create a resort-style atmosphere that is hard to find in Germantown. Best of all, this home features a separate sub-meter for the pool and outdoor faucets, providing significant savings on your sewer bill while maintaining your lush landscape and private oasis. Step inside to a grand two-story foyer that sets a tone of light and airiness. The entire home has been refreshed for its new owners, featuring brand-new carpeting across all three levels and fresh, neutral paint throughout the main floor. The heart of the home is the expansive family room, boasting rich hardwood floors, a cozy fireplace, and floor-to-ceiling windows that frame the incredible views of the pool and yard. The family room flows seamlessly into the open-concept kitchen and sun-drenched breakfast room, making it the perfect hub for daily living and entertaining. For more formal occasions, the main level also features a large, dedicated dining room and a formal living room, providing versatile spaces for a home office, music room, or holiday gatherings. Even the utility spaces have been upgraded-the two-car garage features a brand-new, professionally applied epoxy floor and is equipped with a Level 2 60A EV Charger, ready for your electric vehicle. The upper level is designed for convenience and comfort. The Primary Suite serves as a true sanctuary, featuring a massive walk-in closet and a private ensuite bathroom. Three additional spacious bedrooms share a well-appointed hall bath. To make daily chores a breeze, the laundry room is conveniently located on the bedroom level. The fully finished lower level offers the extra space youve been dreaming of. Whether you need a high-end home gym, a sprawling recreation room for movie nights, or a dedicated play area, this basement delivers. Living in Brownstown Estates means enjoying the peace of a quiet enclave while being just moments from the shopping, dining, and transit options of Germantown. Commuting is a breeze with easy access to I-270 and the MARC train. Don't miss your chance to own the best lot in the neighborhood. Schedule your tour today!

Beautifully updated end-of-row townhouse residence offering 3 bedrooms, 2 full baths, 1 half bath, and 1,220 finished square feet with picturesque lake views, coming soon to market in desirable Gunners Lake Village. Step inside the main level, where sleek Luxury vinyl plank flooring flows seamlessly throughout the open layout. The spacious living room welcomes you in with charming built-in bookshelves that add character, while a conveniently located powder room enhances everyday functionality. From there, the home transitions effortlessly into the formal dining area with exterior access, creating an ideal setting for indoor-outdoor entertaining. The dining space opens beautifully to the gourmet eat-in kitchen, fully remodeled in 2023, featuring granite countertops, stainless steel appliances, abundant white cabinetry, and a cozy breakfast bar perfect for casual meals. Upstairs, youll find three comfortable bedrooms and a full bathroom updated in 2024 with stylish tile flooring. The primary bedroom includes a separate vanity station, a walk-in closet with a custom organization system, and dual-entry access to the bathroom for added convenience. The lower level expands your living space with a welcoming recreation room centered around a white-washed brick, wood-burning fireplace, the perfect setting for lounging or entertaining. This level also includes a full bath, updated in 2026. Outdoor living is equally inviting with a fully-fenced backyard featuring a stepping stone patio and a large garden bed, ideal for relaxing or cultivating your own greenery. Additional highlights include a water heater updated in 2025 and a 10-year-old roof, offering added peace of mind. Two assigned parking spaces (#138) provide added convenience, and residents enjoy access to community amenities, including a pool and scenic lakefront paths for leisure, exercise, and relaxation. This lake-view gem is one you wont want to miss!

Spacious 2-bedroom, 2-bath condo featuring brand new flooring and fresh paint throughout. The well-designed layout includes two primary bedroom suites, each with its own en suite bathroom and large walk-in closet. The bright living room features a cozy fireplace and backs to a peaceful, private setting with tree-lined views. The home also includes a full-size laundry room, providing additional storage and everyday convenience. Community amenities include pool, tennis courts, basketball courts, playground, and trash service. Well-maintained and move-in ready, offering comfort and privacy while conveniently located near shopping, dining, and commuter routes.

Welcome Home ! The Photos don't lie! You will lover this wonderful updated 3 level townhouse with 3 large bedrooms and 2.5 bathrooms the moment you cross the threshold. Your new home is painted neutral colors and has wonderful floors. Your new kitchen has stainless steel appliance and a ceramic tile floor. Your new home is close to public transportation, schools and shopping. All you have to do is bring your furniture. Don't wait someone else won't.

Spacious 2 bedroom 2 full bathroom condo conveniently located in Germantown, MD. This gorgeous unit in a secured building features a living room with a walkout to a private patio space and hardwood floors throughout the entry level. Separate dining room is located adjacent to the kitchen's breakfast bar. This condo has two large bedrooms with the master bedroom featuring an en-suite bathroom and large walk-in closet. The second bedroom has a walk-in closet as well with direct access to an additional bathroom. Full size washer and dryer in separate large laundry room. This ground-level unit has newer carpets in bedrooms and newer hardwood floors in common living areas. This home is a unique blend of an open, sunny space in a secure and private building conveniently located near shopping major highways, dining, entertainment, and more. Don't miss this opportunity to call this home your own, stop by today!

New roof installed January 2026! Beautiful 3-level end-unit townhome with fenced back and side yard, surrounded by woods for a private, peaceful setting. 3 bedrooms, 2 full and 2 half bathrooms, with optional 4th bedroom in the finished walkout basement. Hardwood floors on the main level with crown molding and trimmed windows throughout. Eat-in kitchen features wainscoting, recessed lighting, stainless steel appliances, and sliding glass doors to an oversized back deck. Finished walkout basement includes a recreation room, bathroom, laundry, and extra storage. Sliding glass doors open to a fenced backyard and patio with hammock poles and a pull-up bar. Laundry room includes a workbench, utility sink, and shelving. Minutes to I-270, the Maryland SoccerPlex, Germantown Indoor Swim Center, and South Germantown Adventure Playground. Two parking spaces in front.

Turn-key 3 level townhome in desirable Willow Cove Manor. Updates include: new LVP flooring, fresh paint, and new carpet throughout. Bright and spacious layout with a welcoming family room, large kitchen offering abundant cabinetry, generous counter space, pantry, and room for a full-size table. Second level includes an oversized bedroom (with potential to convert to two rooms), full bath, and convenient laundry. The third-level primary suite offers a walk-in closet and full bath with plenty of space for a king-size bed and more. Enjoy the freshly painted 9x20 front deck - a rare neighborhood feature - plus a storage shed. Major updates include a new roof and gutters (2022). Fantastic location with easy access to I-270, public transportation, shopping, dining, and trails. Community amenities include two pools, playgrounds, tot lots, and walking paths. Schedule your showing today!

Welcome to 19320 Mossbrook Court, a beautifully maintained Colonial nestled in the desirable Gunners View community of Germantown. This spacious home showcases numerous recent updates and a thoughtfully designed floor plan perfect for modern living. A dramatic two-story foyer with ceramic tile flooring welcomes you inside and flows seamlessly into the expansive country kitchen featuring granite countertops, stainless steel appliances, and ample table space. The kitchen opens to a stunning great room with vaulted ceilings, skylights, luxury vinyl plank flooring, and a cozy fireplace, ideal for everyday living and entertaining. The main level also offers formal living and dining rooms accented with crown molding and rich cherry hardwood floors, along with a convenient laundry room and powder room. The finished walkout lower level provides exceptional flexibility, complete with a fifth bedroom, a spacious family room with new carpet, and an additional half bath, perfect for guests, extended family, or a home office. Upstairs, the owners suite includes a private full bath, while three additional bedrooms, a hall bath, and a bonus area complete the upper level. Step outside to enjoy the fully fenced rear yard featuring a large deck and patio, ideal for outdoor gatherings. A two-car garage with brand-new doors and off-street driveway parking add to the homes appeal. Superbly located in a commuter-friendly setting near major routes, shopping, and dining, this home offers comfort, space, and convenience, truly ideal for a growing household.

Looking for peace and tranquility? Beautiful brick-front townhome ideally located on a quiet cul-de-sac and uniquely positioned on a peninsula backing to Black Hill Regional Park with breathtaking views of Little Seneca Lake from all three levels. Offering rare privacy and serene wooded surroundings, this home feels like a peaceful retreat while remaining close to shopping, schools, and major commuter routes. This well-maintained 3-bedroom, 2 full and 2 half bath home features hardwood floors, crown molding, vaulted ceilings, and an open, light-filled layout. The gourmet kitchen includes granite countertops, maple cabinetry, tile flooring, stainless steel appliances, and a bright bay-window breakfast area. The dining room opens to a spacious custom deck overlooking the lake-perfect for relaxing or entertaining. Upstairs, the primary suite offers vaulted ceilings, lake views, a walk-in closet, and a private bath with separate tub and shower. Two additional bedrooms and a full hall bath complete the upper level. The finished walkout lower level features a large rec room /media room with a professional 120" home theatre system with 7 speakers that convey. Additionally, the rec room/ media room includes a cozy wood-burning fireplace , a half bath, a large storage room/utility area and sliding doors that lead to a second private deck with stunning lake views! Community amenities include pools, tennis and basketball courts, playgrounds, and walking/jogging trails. A rare lakefront townhome offering comfort, elegance, and unmatched natural beauty.

Welcome to 19625 Gunners Branch Road, Unit K - a move-in ready 2-bedroom, 2-full bath top-floor condo in the heart of Germantown. This upper-level unit offers added privacy with no neighbors above and a bright, open layout designed for comfortable everyday living. The kitchen flows seamlessly into the family room, creating an ideal space for both relaxing and entertaining. Natural light fills the main living area, enhancing the open feel. The thoughtfully designed floor plan includes two well-sized bedrooms and two full bathrooms, offering flexibility for guests, roommates, or a home office setup. An in-unit washer and dryer add everyday convenience. Located just minutes from a wide variety of shopping, dining, grocery stores, and major commuter routes - including quick access to I-270 - this home offers both comfort and convenience. Enjoy peace of mind knowing you will always find a parking spot as each household gets two parking passes. Whether you're a first-time buyer, downsizing, or seeking a low-maintenance lifestyle, this well-maintained condo is a smart opportunity in a highly desirable and vibrant Germantown location. Select photos are virtually staged.

Waters Landing Gem - Germantown, MD. Welcome home to this beautifully updated single-family home nestled in the highly sought-after Waters Landing community. With extensive renovations completed over the past few years and major systems either new or recently replaced, this home offers the rare combination of move-in-ready condition and long-term peace of mind. The main floor is designed for both comfort and entertaining, featuring a spacious living room anchored by a classic wood-burning fireplace with a fully re-sleeved chimney. The recently remodeled kitchen is bright and inviting, with large windows that flood the space with natural light. Just off the kitchen, a dining area with newly installed double French doors opens seamlessly to a large, private backyard - perfect for indoor-outdoor living. A freshly remodeled half-bath and a generous office or fourth bedroom with a full en-suite bath, complete with a jacuzzi tub and stand-up shower, round out this level. Upstairs, you'll find three comfortable bedrooms, including a primary suite with a freshly remodeled en-suite bathroom and a large walk-in closet. A second fully remodeled full bath serves the remaining bedrooms. The fully finished basement expands your living space considerably, offering a family room, dedicated storage room, full bath, and a laundry room with a newer washer and dryer - plus generous additional storage throughout. Step outside to your covered back deck and take in the peaceful, private backyard - a quiet retreat perfect for morning coffee or evening relaxation. This home is built to last, backed by major investments in its core systems, including a recently installed roof with a lifetime transferable warranty, new doors and windows with a lifetime transferable warranty, a new electrical panel, recently replaced HVAC system, all appliances replaced within the past five years, and a newer water heater. Luxury vinyl plank and luxury laminate flooring run throughout the entire home, giving every room a clean, modern feel. Waters Landing is one of Germantowns most desirable neighborhoods for good reason, offering residents access to two community pools, tennis courts, and five tranquil lakes surrounded by scenic walking paths - all connected by community-wide trails. Zoned for the well-regarded Seneca Valley school district, the location also puts major shopping, dining, and quick I-270 access right at your fingertips. This is the one youve been waiting for - schedule your showing today!

Nearly brand-new inside, set on a cul-de-sac corner lot, and loaded with major upgrades. This 4-bedroom, 3.5-bath home has been extensively renovated, with almost everything refreshed and updated. With a brand-new 2025 roof and comprehensive renovations completed in 2025, the essential improvements have already been handled. From the moment you enter, the dramatic two-story foyer creates a strong first impression. The newly renovated kitchen features granite countertops, stainless steel appliances, and a clean, modern design that flows seamlessly into the main living areas. Upstairs, the primary suite offers two walk-in closets and a spacious ensuite bath complete with a separate soaking tub and shower. The fully finished basement includes a full bath and provides flexible space that works as a home office, podcast studio, recreation room, or guest retreat. Out back, the large deck extends your living space outdoors and offers a great setting for relaxing or entertaining. Security cameras have been installed around the house. Situated on a corner lot in a quiet cul-de-sac, the location adds even more appeal. Youll enjoy quick access to Interstate 270, a bus stop just a few minutes walk away, and the elementary school only 3 blocks from home. With the big improvements already taken care of and a floor plan that fits todays lifestyle, this home is move-in ready and built to impress. Some images may reflect virtual staging or digital editing, including removal of personal property, to help showcase the home.

Welcome to 19267 Esmond Terrace, a move-in ready home offering comfort, functionality, and convenience in the heart of Germantown. This freshly painted home provides flexible living space for working from home, entertainment, or everyday living. Natural light fills the home, and the private outdoor area is perfect for relaxing or hosting friends and family. Conveniently located near shopping, dining, parks, and major commuter routes, this home delivers an easy lifestyle in an established neighborhood. A great opportunity for buyers looking to put down roots while staying connected to everything Montgomery County has to offer.

ABSOLUTELY STUNNING!! 3 FINISHED LEVELS AND REMODELED FROM TOP TO BOTTOM. MUST SEE-SPACIOUS AND BRIGHT WITH BEAUTIFUL FLOORING THROUGHOUT, FRESHLY PAINTED, GOURMET KITCHEN WITH ALL NEW APPLIANCES, COUNTER TOPS, FLOORING AND MORE-WITH A WONDERFUL VIEW OF THE BACKYARD GREENERY AND NATURE AT ITS BEST. 2 LARGE UPPER MASTER SUITES, PRIVATE BATHS, FINISHED LOWER LEVEL WITH ROOM USED AS 3RD BEDROOM AND ADDITIONAL 3RD FULL BATH. FULLY FINISHED WALK OUT BASEMENT, FABULOUS COMMUNITY-THIS ONE SPARKLES!

COMING SOON!! Beautiful 4-bedroom 2,280 sq ft, 2 car garage End Unit Townhome ideally located in popular Milestone II neighborhood close to shopping, Wegmans, Walmart, very nice parks, restaurants and major commuter routes near Interstate 270 and Metro stations, easy access to Washington DC and surrounding areas. Lower level has a rear entry 2 car garage with abundance of additional space for storage and working. In addition, a bedroom with an en-suite bathroom finished in the lower and laundry room. The main floor has high ceilings and plenty of natural light. Hardwood flooring with open concept living features a large living and dining room combination and a family room with kitchen combo. Very attractive quartz counter tops and a large island in the kitchen is perfect for entertainment. This level also spacious deck for outdoor enjoyment for family and friends. Top floor features carpet throughout, two spacious bedroom and a hallway bath as well as a large primary bedroom with a large luxury bathroom with a walk-in bath and soaking bathtub. Very nice, tiled floor. Newly installed shower flooring. This home is in an ideal area with a grassy area outside the home and 2 playgrounds between the residence and an elementary school which is only a 10-minute walk away. !!FINALLY, THE INTERIOR OF HOME HAS BEEN FRESHLY THROUGHOUT AND THE INTERIOR OF THE TWO CAR GARAGE!!

This condo is pure happiness wrapped in hardwood floors and stainless steel! Parking right outside your door. No walking in a dark parking lot. From the second you walk in, youll feel it - the warm glow of the beautiful hardwood flooring, the cozy fireplace calling your name, and the breakfast bar just waiting for morning coffee or evening wine with friends. Its the kind of space that instantly feels like home. The kitchen is full of charm with gorgeous cabinetry and sleek stainless steel appliances that make cooking feel exciting again. And heres the best part - the seller wasnt even planning to move, so they invested in the good stuff for themselves: a brand-new HVAC system, new water heater, new washer and dryer, plus a beautifully remodeled bathroom with a fresh vanity, sink, countertop, and toilet. All the big-ticket items? Done. The community brings the lifestyle to match - pool days all summer long, a clubhouse with a gym, and a tot lot for little ones. And the location? Youre in the heart of Germantown with shopping, Topgolf, the Germantown SoccerPlex, mountain bike trails, scenic lakes, the BlackRock Center for the Arts, and the MARC train right nearby. Easy access to Route 270, Clopper Road, and Route 118 makes commuting simple. This isnt just a condo - its easy living, fun weekends, and a fresh start all in one. Come fall in love and make it yours!

Rarely available oversized one-bedroom condo with attached garage in the Ashmore community. One of the largest one-bedroom floor plans, featuring new flooring, fresh paint, updated light fixtures, and an updated bathroom. Spacious bedroom with ample closet space and a large separate storage area. Enjoy community amenities including pool and clubhouse. Convenient Germantown location near shopping, dining, parks, and major commuter routes. Move-in ready.

Welcome to this beautiful 3-bed, 2.5-bath townhouse offering three levels of comfortable and modern living. The fully finished walkout basement is ideal for potential rental income or as a guest space or recreation room. The lower level provides exceptional flexibility with a kitchenette, washer and dryer, and an added full bathroom, with a fenced patio area outside. The main level features a bright and open living and dining area accented with crown and chair-rail moldings, recessed lighting, and french doors leading to a large private deck-perfect for entertaining and relaxing. The kitchen showcases custom backsplash, ample cabinetry, and convenient access to a half bath. Upstairs youll find three generously sized bedrooms, upgraded hardwood flooring on the staircase, and a spacious owners suite with wood floors and expansive mirrored wall. The renovated full bathroom features a modern, spa-inspired shower for a luxurious touch. A rare find conveniently located near shopping, dining, and major commuter routes.

Buyers asked for a move-in-ready home, and the sellers delivered! They invested over $10,000 to freshen the place with new paint, updated carpeting, and other improvements that make this light-filled end-unit townhome in the charming Scenery Point community shine. With over 1,600 square feet, this 2-bedroom, 2.5-bath home offers a modern, open layout. Main-level highlights include a spacious living area with a ceiling fan and a cozy wood-burning fireplace. The updated eat-in kitchen features granite countertops, stainless steel appliances, and plenty of storage. From the dining area, a private deck offers an ideal space for relaxing or entertaining guests. Upper-level features include the primary bedroom with a vaulted ceiling, a ceiling fan, a large walk-in closet, and an ensuite bath; a second bedroom with an ensuite bath; and the laundry closet. This home has a private driveway and an attached direct-entry garage. There is also plenty of street parking for guests or extra vehicles. The water heater (replaced in 2020) and HVAC system are in great shape, providing peace of mind. The Scenery Point community has tot lots and playgrounds. The condo association handles major maintenance. Monthly dues cover all exterior care, including the roof, siding, and gutters. Groundskeeping includes professional lawn care and seasonal snow removal. Enjoy the proximity to I-270, Rt. 355, MARC, major bus lines, shopping, dining, and parks like Great Seneca Valley Stream Park and Black Hill Regional Park.

Easy living starts here. This beautifully renovated Colonial-style townhouse is tucked inside the beloved Heritage Gate community, offering comfort, style, and a prime location. Bright and inviting, the home features 3 bedrooms, 2.5 baths, and a gourmet kitchen with stainless steel appliances that flows seamlessly into the living space-perfect for everyday life and effortless entertaining. Cozy evenings by the fireplace and a private deck retreat make this home feel both warm and welcoming. Enjoy two assigned parking spaces, low-maintenance living, and quick access to Seneca Creek State Park, Kentlands shops and dining, the Germantown SoccerPlex, MARC train stations, and major commuter routes including Interstate 270 and Route 355. Convenient, connected, and move-in ready-this one checks all the boxes.

Step into this inviting spacious 2-bedroom, 2-bath ground-level condominium in the highly desirable Fountain Hills community of Germantown, a perfect blend of comfort, convenience, and lifestyle amenities. Boasting approximately 1,161 sq. ft, this well-maintained home offers an ideal layout for everyday life and entertaining alike. Inside, the condo features a functional layout with two bedrooms and two full bathrooms, offering privacy and comfort for residents and guests. With a thoughtful design that maximizes every square foot, this unit provides an excellent canvas for personalization and modern upgrades. Condo offers an assumable loan with a 3.8% interest rate (subject to lender qualification and approval)