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21104 Matoaca Rd, South Chesterfield, VA 23803
3 beds · 2 baths · 1,056 sqft
Welcome Home to Comfort, Charm & Convenience in the Heart of Matoaca! A welcoming home inside and out—come fall in love with your private backyard retreat, the perfect place to relax, recharge, and savor life at your own pace—even before you step inside. Once inside, you’ll find a beautifully maintained rancher where thoughtful updates and an easy, open layout create the perfect setting for everyday living and entertaining. The spacious family room, with its soaring cathedral ceilings and natural light, is an ideal gathering place for family and friends. The eat-in kitchen, complete with a center island, invites cozy breakfasts, casual conversation, and joyful meal prep. Throughout the home, thoughtful details like thermal windows, a newer roof, and a convenient carport add comfort and peace of mind. Plus, the included washer and dryer make daily living even more effortless. And when is it time to relax? The backyard awaits. Whether you’re hosting summer barbecues, planting a garden, or simply unwinding, this inviting outdoor space offers endless possibilities. A handy storage shed keeps your outdoor essentials neat and accessible. And the location? Simply unbeatable. You’ll be just minutes from VSU, VCU, Richard Bland College, John Tyler, Fort Lee, and major interstates, with schools, shopping, and dining all nearby. Come and experience it all for yourself! Schedule your private tour today and picture the life you’ll create here!
Source: CENTRALVIRGINIA #2515982
Why Roam
Gap financing to lower your down payment
Unlock down payments as low as 5% – only with Roam
5x the likelihood your offer is accepted
If a purchase takes longer than 45 days, we’ll cover the seller’s mortgage until you close
Close faster and stress-free
We close 2x faster because of our deep experience and lender relationships
Rates and payments are estimates based on public records.
Source: Public records
All values shown are estimated costs / mo.
Source: Public records
Source: CENTRALVIRGINIA #2515982
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.
No credit check. Takes 2 minutes.