This custom-built estate in the prestigious Courtland Rural Village community is gracefully sited on nearly 20 wooded acres with frontage along scenic Goose Creek. Built by renowned Creighton Enterprises, this secluded manor estate offers over 7,600 square feet of refined living space, combining timeless architecture, modern technology, and extraordinary privacy in one of Loudoun County's most exclusive conservation communities. Beyond a custom wrought-iron security gate, a sweeping drive winds through professionally landscaped grounds before arriving at the residence, creating a memorable approach befitting a private country estate. A grand circular carriage sweep, extensive hardscaping, and mature woodland surroundings establish a dramatic sense of arrival, while the property's frontage on Goose Creek and neighboring conservation land provide an incomparable natural setting, just minutes from Leesburg's shops, restaurants, wineries, and commuter routes. Inside, thoughtfully designed living spaces blend sophistication and functionality. Formal and informal gathering areas are anchored by multiple fireplaces, expansive windows framing park-like views, and finely crafted architectural details throughout. The gourmet kitchen is designed for both everyday living and elegant entertaining, featuring an induction cooktop with motorized pop-up ventilation, dual dishwashers, generous storage, and two pantries. Occupying its own private wing, the luxurious primary suite offers a true retreat within the home. The thoughtfully designed space features a raised sleeping area, fireplace, sitting room, and private balcony overlooking the property's serene wooded surroundings. The dedicated dressing room with a granite-topped double vanity leads to a spa-inspired bath with a freestanding soaking tub and oversized frameless glass shower. Two custom walk-in closets provide exceptional storage and organization. Each secondary bedroom is generously proportioned and complemented by a spacious closet and private en suite bath, creating a comfortable and refined experience for family and guests. The walk-out lower level is designed as an entertainer's retreat, featuring a custom bar with dishwasher, wine cooler, and microwave, spacious recreation areas, a guest suite, and direct access to the covered patio and outdoor living spaces. The expansive deck, covered patio, and outdoor kitchen provide seamless indoor-outdoor entertaining opportunities while overlooking the property's picturesque wooded landscape. Modern infrastructure and efficiency enhancements elevate the home well beyond typical luxury offerings. Highlights include a Tesla Solar Roof, two Tesla Powerwall 3 battery systems with six expansion packs, a permanently installed backup generator, whole-house spray foam attic insulation, three-zone HVAC with smartphone controls, whole-house water filtration and softening systems, and a comprehensive Vivint security and surveillance system. Additional conveniences include upper and lower-level laundry facilities, a 16-zone irrigation system, invisible fencing, and a three-car side-load garage complemented by extensive guest parking. Rarely does a property offer this level of privacy, natural beauty, architectural presence, and modern efficiency in a location so convenient to downtown Leesburg, Dulles Airport, and Northern Virginia's renowned wine country.
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.
