12649 Victory Lakes Loop
Bristow, VA 20136
4 beds · 3 baths · 3,775 sqft
$819,900
Get prequalified12649 Victory Lakes Loop
Bristow, VA 20136
4 beds · 3 baths · 3,775 sqft
$819,900
Get prequalifiedWelcome to this beautifully maintained 4-bedroom home with a charming covered porch in the amenity-rich Victory Lakes community, located within a highly rated school district. From the moment you step into the grand two-story foyer, you'll appreciate the thoughtful design and inviting layout. To the right, a spacious office offers the perfect setting for working from home, but it can easily be transformed into a home gym or playroom to suit your lifestyle. Across from the office is a serene formal living room, ideal for quiet moments or entertaining guests, which flows seamlessly into the elegant formal dining room—perfect for hosting dinners and special occasions. The heart of the home is the expansive kitchen, featuring quartz countertops, a large center island, ample cabinetry, and a walk-in pantry. The adjacent eat-in area opens to a deck that overlooks the flat backyard, providing a great space for outdoor dining and summer gatherings. The family room, complete with a cozy gas fireplace, connects to a sun-drenched sunroom ready to become your favorite retreat. A convenient powder room and laundry room complete the main level, blending style and function for everyday living. Upstairs, the oversized primary suite offers vaulted ceilings, a spacious walk-in closet, and a dedicated sitting room, ideal for unwinding at the end of the day. The recently renovated en-suite bathroom features a jetted tub, beautifully tiled shower, and dual vanity. Three additional bedrooms share an updated hall bath, featuring a dual vanity, a shower/tub combo, and elegant tile flooring. The entire upstairs carpet was recently replaced in 2024. The lower level is partially finished and multi functional with a rough-in for a full bathroom. Here you will also find a large storage space. Recent updates include: New Carpet upstairs (2024), New Dishwasher (2024), Renovated 2.5 Bathrooms (2022), Partial renovation of kitchen (2022), Replaced all downstairs carpet (Family Room/Sun Room) with vinyl flooring (2022), New Hot Water Heater (2023), New Double Fridge (2020), New HVAC (2018), New Double Oven (2018). Enjoy all that this vibrant, family-friendly community has to offer, including outdoor pools, volleyball, basketball, and tennis courts, multiple tot lots and playgrounds, scenic walking and jogging trails, several lakes for fishing, a dog park, a well-equipped fitness center, a community clubhouse, and so much more! Conveniently located just minutes from shopping, dining, wineries, breweries, and Jiffy Lube Live, this home also provides easy access to I-66, Routes 29 and 28, commuter lots, and the VRE—making it an ideal location for commuters.
Source: BRIGHT #VAPW2094538
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.
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.
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.
When assuming the existing mortgage as part of a home purchase, the buyer has to cover the seller’s equity in the home. The seller’s equity is the purchase price minus the remaining mortgage balance. This amount must be covered in full through an all-cash down payment or by taking out a second mortgage.
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