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5063 Judicial Way
Frederick, MD 21703
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. Talk to our team about what fits you. Call Nick at (240) 346-3172.
38 days on market · as of Nov 8, 2026 · Paid-off solar panels · Fully finished walk-out basement · HOA $131/mo
The 3-2-1 Buydown
A seller-funded temporary buydown, structured into a creative offer. See the full payment table and savings below: Year 1 at $3,601.32/month, saving $1,323.98/month.
3.99% Year 1 payment rate* · $3,601.32/month principal & interest
| Period | Payment rate* | Monthly P&I |
|---|---|---|
| Year 1 | 3.99% | $3,601.32 |
| Year 2 | 4.99% | $4,049.73 |
| Year 3 | 5.99% | $4,523.25 |
| Years 4–30 | 6.99% | $5,019.62 |
Taxes, insurance, HOA and mortgage insurance are additional.
How the scenario is built
- Creative offer price: $794,999 (list price $759,999 + buydown funding).
- Down payment: $39,750 — 5% down on the creative offer.
- Loan amount: $755,249 · 30-year fixed at a 6.99% note rate.
- Buydown funding requested: $35,000 (estimated buydown cost $34,615).
- Comparison payment: $4,925.31/month at 7.25% on the $721,999 base loan (95% of the $759,999 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 (FICO), 5% down payment, first-time homebuyer, as of November 8, 2026. Rates subject to change without notice.
$0 Down — 100% Financing
For qualified buyers. Two paths to buy this home with no down payment, plus a dedicated path for veterans.
- Path 1 — Maryland Mortgage Program (MMP) assistance: buy with $0 down if your income qualifies; MMP assistance can cover your down payment.
- Path 2 — Creative 100% financing, no income caps: income too high for MMP? Creative 100% financing options with no income caps can still get qualified buyers into this home with $0 down.
- VA buyers: $0 down, no income cap, for qualified buyers.
Seller help may also apply with an acceptable offer, which can further reduce what you bring to closing.
Why This Home Stands Out — Westview South
- Paid-off solar panels — owned outright, not leased.
- Fully finished walk-out basement — the extra living space is already done.
- 4,082 sq ft, 5 beds, 3.5 baths — Mitchell & Best Monterey I, built 2017.
- HOA $131/mo in Westview South, Frederick 21703.
- At 38 days on market with no price cut yet, 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.
