This beautifully maintained and extensively updated brick front Colonial in the heart of Brambleton offers generous living space across three finished levels, where custom design, quality finishes, and everyday comfort come together with ease. <br><br> From the moment you arrive, the home’s curb appeal stands out with its landscaped yard, two-car garage, classic architecture, and inviting front entry. Inside, a two-story foyer creates a striking first impression, opening to formal living and dining rooms with elegant moldings and natural light, creating spaces that feel refined and warm. A private home office is thoughtfully positioned on the opposite side of the foyer, offering both function and flexibility. <br><br> The main living spaces are anchored by a chef’s kitchen that is both refined and highly functional. It features granite countertops, abundant cabinetry, an oversized center island with seating, double wall ovens, and recessed lighting. An impressive custom walk-in pantry, featuring butcher block countertops and generous storage, adds convenience and organization. The kitchen flows seamlessly into the breakfast area and family room, where a wood-burning fireplace creates a welcoming atmosphere. <br><br> A well-designed mudroom with built-ins, hooks, shelving, and a utility sink adds everyday practicality, while plantation shutters throughout the home bring a layer of timeless sophistication. <br><br> Upstairs, the primary suite is an extraordinary retreat that rivals luxury residences. A cathedral ceiling, architectural columns, and a private sitting room create a sense of scale and serenity. A standout feature of the home is the exceptional custom dressing room, an expansive, boutique-style space measuring approximately 20x11, designed with tailored storage solutions and designer finishes. This is far more than a closet—it’s a true extension of the suite and an uncommon feature that sets this home apart. The renovated primary bath complements the suite with a large walk-in shower that includes a rainfall feature and two additional shower fixtures, delivering a truly indulgent experience. <br><br> Secondary bedrooms are equally well-appointed with plush carpeting, ceiling fans, generous closet space, and access to the hall bath. Bedroom-level laundry adds an extra layer of convenience. <br><br> The lower level continues the home’s elevated aesthetic, offering a beautifully finished walk-up basement designed for both entertaining and everyday enjoyment. A custom wet bar serves as the centerpiece, complemented by a spacious recreation room, private guest den, dedicated gym, and full bath. <br><br> Outdoor living is equally inviting, featuring a screened-in porch with two hard-wired electric heaters for year-round enjoyment. The landscaped backyard includes a newly replaced fence (2025), providing added privacy and a clean, finished look. Enhancing the modern appeal, integrated smart home technology allows for easy control of lighting, locks, garage doors, and security directly from your phone. The home has been well maintained, with recent updates including a newly repaved driveway (2025), replaced porch screens (2023), and new upstairs carpeting (2026). <br><br> Located in sought-after Brambleton, residents enjoy access to miles of scenic trails, multiple pools, parks, and easy access to Brambleton Town Center, dining, shopping, and major commuter routes. This is a rare and distinctive home, offering space, quality, and standout features in one of the area’s most desirable communities.
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.