13419 Carters Creek Ter
Chesterfield, VA 23838
4 beds · 3 baths · 2,397 sqft
$495,000
Get prequalifiedAbout this home
Immaculate 4 bedroom, 2.5 bath 2 Story Transitional with vinyl siding exterior, situated on a park-like 1.05 acre lot. This home has been meticulously cared for by the original owners. Enter the house through the open 2 story foyer, adjacent to the formal dining room. Great room offers a double sided gas log fireplace shared with the kitchen. Kitchen was updated in Dec 2020, with new soft close cabinets and drawers, quartz counter-tops, DuraCeramic tile floor, gas stove and stainless steel appliances. 9' ceilings, laundry room, pantry and half bath finish off the first floor. Second floor includes primary bedroom suite with a jetted tub, stand up shower, and walk-in closet. Also, 3 additional bedrooms, hall bath, and a walk up attic. The beautiful landscaped yard includes an above ground pool with large deck space, backing up to natural wooded area for privacy. Double width asphalt driveway, aggregate sidewalk. New dimensional shingle roof in 2017, new heat pumps in 2018, (with propane gas back up), new gas hot water heater in 2025, new septic pump in 2025, and wrap around front porch with vinyl railings. Complete interior freshly painted and new carpet throughout in 2025. Front and side yard irrigation, and side entry 2 car attached garage. NO HOA! Won't last!
Source: CENTRALVIRGINIA #2518408
Neighborhood
FAQs
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.
Roam is committed to and abides by the Fair Housing Act and Equal Opportunity Act.
Chesterfield, VA 23838
4 beds · 3 baths · 2,397 sqft