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11770 Valley Ridge Cir, Fairfax, VA 22033
3 beds · 4 baths · 2,394 sqft
Spacious 3BR/3.5BA townhome in sought-after Penderbrook with peaceful side pond views and no direct rear neighbors. The main level flows from a comfortable front living area to a dedicated dining space and eat-in granite kitchen with island, pantry, and 5-burner gas cooking—ideal for both everyday living and casual entertaining. Step out to the Trex deck and enjoy a uniquely peaceful setting. Upstairs, all three bedrooms feature vaulted ceilings; the primary suite includes a walk-in closet and oversized bath with dual sinks, soaking tub, separate shower, and linen closet. The finished walkout basement adds flexibility with a wide rec room, bonus room, full bath, and generous laundry/utility/storage space. Luxury vinyl plank spans all three levels—including stairs—for easy maintenance and a clean, updated look. Enjoy Penderbrook’s exceptional amenities: pool, fitness center, tennis, pickleball, golf discounts, and more. Minutes to Fair Oaks Mall, I‑66, and Oakton High. Solid layout, smart updates, and a rare view—ready for your personal touch. BE SURE TO CHECK OUT THE PROPERTY WALK-THROUGH AND PENDERBROOK AERIAL TOUR!
Source: BRIGHT #VAFX2245636
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 #VAFX2245636
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.
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.
Roam is committed to and abides by the Fair Housing Act and Equal Opportunity Act.
No credit check. Takes 2 minutes.