12816 Greenhall Dr, Woodbridge, VA 22192
5 beds · 3 baths · 1,674 sqft
The wonderful neighborhood of Lake Ridge is waiting for you! This impeccably finished home, with over 2200 square feet, is a must see! On the main level, you’ll find an updated kitchen with white shaker style cabinets, quartz countertops and stainless steel appliances, an eat-in kitchen with plenty of room for a large table and an open concept to the living room. Off the kitchen, you can access the new, large deck, perfect for grilling and entertaining. Back inside, luxury vinyl flooring leads you to the three bedrooms on this level, including the primary bedroom with en-suite and additional full bathroom that have both been completely updated with marble tiles and gorgeous finishes. The bathtub in the hall bathroom was just reglazed with non-slip finish in April 2025. Downstairs in the finished basement, you’ll find another huge living area with wood burning fireplace and the same luxury vinyl floors found upstairs. This level also has two additional bedrooms and a third, beautifully finished full bathroom, as well as a laundry room with deep utility sink and additional storage. The new sliding glass door leads to the expansive backyard, with the perfect area under the deck ready to be screened in for a shady and protected outdoor space. As if there wasn’t already enough to fall in love with, all new exterior steel doors, all new custom blinds, new gutters, new windows upstairs, and new fencing make this home not only move-in ready, but a real showstopper. Close to commuting options and everything you could need, including access to FIVE different community pools!!! Updates list-- Hall bath run re-glazed April 2025, All exterior doors and windows new, New gutters, New Fence, New sliding glass door, New Deck 2022, All appliances new in 2022, Kitchen remodeled 2022, All bathroom remodeled 2022, Carpet Upstairs 2022, HVAC and hot water heater 2018.
Source: BRIGHT #VAPW2092130
Source: BRIGHT #VAPW2092130
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.