2207 Turtle Hill Cir, Midlothian, VA 23112
4 beds · 3 baths · 2,392 sqft
Welcome to this cute Colonial-style home located in the highly sought-after, award-winning Brandermill Community. Offering over 2,300 square feet of living space, this 4-bedroom, 2.5-bath home sits on a spacious corner lot. A renovated eat-in kitchen with granite countertops, tile backsplash, and stainless steel appliances—perfect for both everyday meals and entertaining. The functional layout flows effortlessly into comfortable living and dining areas. Upstairs, the spacious primary suite offers a relaxing retreat with an en-suite bathroom and WIC, while three additional bedrooms provide ample flexibility for guests, children, or home office use. The home’s fenced backyard offers a secure and private space for outdoor activities, gardening, or weekend barbecues, making it a true extension of the living area. Beyond the property itself, the Brandermill lifestyle is second to none. This vibrant community offers an impressive array of amenities, including multiple swimming pools, access to the serene 1,700-acre Swift Creek Reservoir, and over 15 miles of walking and jogging trails that wind through wooded areas and along the water. Sunday Park, the community’s popular gathering spot, features a waterfront restaurant, playgrounds, and scenic picnic areas. Golf enthusiasts will love the proximity to Brandermill Country Club’s picturesque golf course, while families benefit from access to top-rated Chesterfield County schools.
Source: CENTRALVIRGINIA #2514234
Source: CENTRALVIRGINIA #2514234
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.