Discover this extraordinary home nestled in the desirable Stratford Landing neighborhood. Rarely available, this custom-designed, turnkey residence was built by Brush Arbor Homes in 2017. The striking exterior features Hardie board-and-batten siding with stacked stone, an architectural shingle roof with standing-seam metal accents, a two-car garage, and black Andersen windows. A flagstone walkway and raised porch lead to the beautiful 8-foot Thermatru entry door. Step inside to experience the unexpected. Oversized Andersen windows fill the home with natural light and provide serene, elevated green views. Soaring 11-foot ceilings, warm wood and tile flooring, built-ins, ceiling fans, and designer finishes create a cohesive feel throughout. The timeless open layout supports comfortable everyday living while offering effortless flow for elegant and large-scale entertaining. The thoughtfully designed eat-in kitchen serves as a central gathering space, featuring two multifunctional islands, a large beverage station, an oversized pantry, granite and quartz countertops, stainless steel appliances, and direct access to the expansive deck. The kitchen opens seamlessly to the large family room, where a contemporary stone-surround wood-burning fireplace creates a warm focal point. The partially covered deck with skylights extends the entertaining space outdoors, while the adjacent dining room features 10-foot sliding glass doors—perfect for more intimate dinners. The family entrance provides convenient access to the laundry room, complete with built-ins and a dog shower for those messier moments. Privacy awaits in the ideally located primary suite, which includes a spa-like bath with abundant natural light, a soaking tub, oversized dual-head shower, dual vanities, and a custom built-in closet. The west wing of the home offers a dedicated custom-designed study hall with built-in shelving, three generously sized secondary bedrooms with ensuite bathrooms, a fourth secondary bedroom or flexible room, and a powder room. The lower level offers an expansive, light-filled recreation room with a full wet bar, wine closet, powder room, and media area with Dolby surround sound in-wall speakers and subwoofer. Additional features include a large home fitness center with a two-person hemlock sauna, an oversized game or flex room, abundant storage, and plenty of space to play. A standout feature of the home is the impressive indoor sport court located on the main level. With 17-foot ceilings, individual climate control, performance flooring, high-density wallboard, and extra insulation, it is designed for year-round enjoyment. An elevated viewing window allows others to watch the action from above. Outside, the neighborhood offers tree-lined streets with sidewalks and underground utilities, along with parks, tennis courts, community pools, schools, and preschools. Nearby, the George Washington Parkway provides miles of biking and walking trails and scenic views of the Potomac River. *Floor Plan available upon request*
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.
