Welcome to this elegant and beautifully maintained home located in the Award-Winning Heritage Hunt 55+ Golf & Country Club Community. As featured in HAVEN | Homes + Lifestyles Luxury Magazine, this home offers over 4,800 square feet of living space and provides a bright, light-filled atmosphere with a welcoming sense of warmth from the moment you step inside. The home flows effortlessly beginning with the sun-filled living room and elegant dining room highlighted by a bay window, chair rail and crown molding, creating an inviting and comfortable layout. A private office just off the entry is ideal for working from home or quiet reading. The chef’s kitchen is thoughtfully designed with custom-designed full-height backsplash and an abundant amount of cabinetry and storage. The expansive peninsula offers generous prep space and comfortable breakfast bar with plenty of seating. The kitchen opens seamlessly to the family room with a gas fireplace, an ideal setting for everyday living and gathering. Spectacular hardwood floors flow seamlessly throughout the main level, adding both warmth and elegance. The main-level primary suite is generously sized to accommodate a sitting area and designed as a true retreat. A large walk-in closet provides ample storage while the en-suite bath features dual vanities, a soaking tub and separate shower. A second bedroom, full bath, two linen closets and a laundry room with large-capacity washer and dryer, overhead cabinets and direct access to the two-car garage complete the main level. The upper level offers a bright open loft providing a secondary living area ideal for guests or relaxation, along with a large third bedroom, full bath and linen closet. The unfinished walk-out basement offers excellent storage and rough-in plumbing ready to be customized to suit your needs and vision. Outdoor living is truly special with a spacious three-season screened-in porch, perfect for morning coffee or relaxing evenings backing to peaceful common area and mature trees. Vaulted wood-beamed ceiling, ceiling fan and stairs leading down to a spacious and inviting decorative concrete patio. Updates include: HVAC 2022, Water Heater 2019, Air Humidifier 2022, Screened Porch 2022 and Patio 2022. Heritage Hunt amenities include 18-hole championship golf course, two club houses, restaurant and bar, indoor and outdoor swimming pools, two-story fitness center, tennis and pickleball courts, a library, walking paths, and more. Convenient to retail/restaurants, wineries, I-66 and Bull Run Mountains Natural Area Preserve. This exceptional home is the perfect blend of comfort, elegance and resort-style living in one of Northern Virginia’s most amenity-rich, sought-after 55+ communities.
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.
Yes. Non-veterans can assume a VA loan, provided they meet the lender’s VA criteria. When a qualified buyer assumes a VA mortgage from a veteran or active-duty service member, the seller’s VA loan entitlement remains tied to the assumed loan until the buyer pays off or refinances the loan. This process restores the veteran seller’s entitlement, enabling them to use their VA benefit for a future home purchase.
Yes. All FHA loans are assumable by law as long as the buyer meets the FHA’s credit, income, and qualification requirements and obtain lender approval before assuming the loan (per FHA regulations effected December 15, 1989). Roam makes this process simple for buyers.
Generally, conventional loans are not assumable. In rare cases, a conventional loan may be assumable with lender approval. Use our search tool to find homes with assumable low-rate loans, or reach out to us if you’d like to confirm a specific home’s assumability.
