Welcome to 1339 Aquia Dr, a 3,700+ sq ft home situated on one of the best premium lots in Aquia Harbour! Thoughtfully renovated for its new owner, this home offers modern updates, functional space, and a desirable location within the community.The home welcomes you with excellent curb appeal and a long, wide front porch—perfect for relaxing or enjoying morning coffee. Inside, fresh paint and modern finishes create a clean and inviting feel. The main level features crown molding and LVP flooring throughout, along with a formal living room, large family room, gourmet kitchen, breakfast sitting area, designated dining room, powder room, and a main-level bedroom that can also function as an office.The gourmet kitchen includes tray ceilings, quartz countertops, and brand-new stainless steel appliances, including a 5-burner cooktop with a range hood, dishwasher, and a built-in microwave/oven combo. Just off the family room is a spacious sunroom with large arched windows and vaulted ceilings, bringing in plenty of natural light. The sunroom leads to an oversized screened-in deck, offering a great space for relaxing or entertaining while overlooking the long, flat, fenced backyard—one of the standout lots in Aquia Harbour.Upstairs you’ll find four generously sized bedrooms and two full bathrooms. The primary suite features LVP flooring and a spa-style bathroom with a large soaking tub, frameless glass shower, and double vanities. The remaining three bedrooms feature brand-new carpet. The upper level also includes a spacious hallway bathroom and a separate laundry room for added convenience.The finished lower level offers LVP flooring, a full bathroom, and an open recreation area with flexible use for entertainment, a home gym, or additional living space. The home also provides ample parking with a large paved driveway and a front-loading two-car garage.Other key upgrades include: fresh paint (2026), new carpet (2026), freshly stained front porch (2026), freshly painted kitchen cabinets (2026), new water heater (2025), new kitchen appliances (2026**Will be installed prior to settlement**), quartz countertops (2025), and new LVP flooring (2022), a power-washed exterior (2026) and more!Aquia Harbour is a gated community, and this home is conveniently located just a three-minute drive from the main entrance for easy access for residents and guests. Community amenities include a marina, kayaking, pools, a country club, golf course, restaurant, walking trails, community center, tot lots, playgrounds, and an on-site police department for added safety and security for residents. The home also offers convenient access to shopping, restaurants, and major commuter routes including I-95 and Route 1.Scheduled to hit the market on March 17th. Schedule your showing today!
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.
