Tucked into the rolling landscape of Waterford Manor, this Brookfield Residential Hadleigh model offers a rare combination of scale, setting, and everyday livability. Built in 2021 and spanning over 6,300 square feet across three levels, the home sits on 3.24 acres, where wooded privacy, mountain sunrises, and a natural backdrop create a setting that feels both expansive and deeply personal. The arrival sets the tone. A long approach and generous driveway create a sense of space and welcome, with room for guests and gatherings alike. From there, the property opens into a landscape that feels more like a private retreat than a traditional homesite. Mature trees frame the rear of the home, and just beyond the property line, a natural path leads to one of the area’s most special features—a 20-foot-wide creek with a dramatic rock face. In the spring, the experience shifts even further. Bluebells begin to bloom along the path, creating a quiet, fleeting moment of color that feels almost hidden—something you discover rather than expect. It’s the kind of setting that invites you to slow down, whether you’re walking to the water, fishing, or simply taking in the surroundings. Inside, the home opens with intention, but it’s the great room that defines the experience. The two-story great room rises at the center of the home, filled with natural light that shifts throughout the day. Tall windows draw your eye upward and outward at the same time, framing the surrounding trees while creating a sense of volume that feels both expansive and calm. It’s a space that feels just as right for quiet mornings as it does for a full house—grounding the entire home in light, scale, and connection. From here, the layout unfolds naturally. The kitchen sits just beyond, designed to support both everyday living and entertaining, with quartz countertops, extensive cabinetry, and KitchenAid stainless steel appliances. It opens seamlessly to the great room, allowing the two spaces to function as one without losing definition. A formal dining room and separate sitting room frame the entry, offering more intimate spaces when needed, while a private office and powder room add flexibility to the main level. The rear deck extends the living space outdoors, overlooking the acreage and wooded backdrop. Upstairs, four bedrooms are thoughtfully arranged to provide both privacy and versatility. The primary suite is especially generous, offering a true retreat with a large footprint, walk-in closet, and a spa-like bath complete with soaking tub and separate shower. One bedroom includes a private ensuite bath, while two additional bedrooms are connected by a Jack & Jill bath. A laundry room on this level adds convenience, and an open overlook to the great room below keeps that sense of connection present throughout the home. The lower level adds another layer of possibility. With over 2,200 square feet, including a large finished recreation area and additional unfinished space, the layout supports a wide range of uses—media, fitness, guest space, or future expansion with the potential for an additional bedroom and bathroom. The walk-out design provides direct access to the backyard, making the space feel fully integrated. The capital improvements here are both recent and meaningful. In 2026, the home was freshly painted throughout in McCormick Dove’s Wing, the stairs were professionally stained, and new flooring was added to bedrooms and office. The septic system was pumped in December 2025, and all major systems—including HVAC, roof, windows, electrical, and plumbing—date to the home’s 2021 construction. Featuring Xfinity high speed internet. Living in Waterford Manor offers a unique balance of privacy and accessibility. The setting feels quiet and removed, yet you remain just minutes from historic Waterford, downtown Leesburg, and the region’s wineries and countryside destinations, with easy access to Route 7.
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.