Welcome to a rare offering where privacy, scale, and modern refinement converge. Privately set on three picturesque acres just minutes from Quantico, this fully renovated estate delivers the elevated lifestyle discerning buyers seek while remaining exceptionally convenient to commuter routes, shopping, and dining. With no HOA, the property offers both freedom and tranquility, an increasingly uncommon combination in this location. Spanning over 4,000 finished square feet across three thoughtfully designed levels, the home immediately communicates quality and intention. Fresh interior paint and more than 4,000 square feet of newly installed flooring create a seamless, contemporary backdrop that feels both sophisticated and move-in ready, allowing the next owner to enjoy the home from day one rather than inherit a list of projects. The layout balances openness with purpose, featuring five generously sized bedrooms, four full bathrooms, and a half bath, along with a dedicated office and two additional bonus rooms that can effortlessly evolve into a private fitness studio, media lounge, second office, or guest quarters. A fully finished basement further enhances the home’s livability, offering the kind of flexible space luxury buyers increasingly prioritize. At the center of the home, the updated kitchen pairs function with style, offering dual pantries and an easy flow into the main living areas that naturally supports both intimate evenings and larger gatherings. It is a space designed not just for cooking, but for connection. The primary suite serves as a true sanctuary, featuring expansive proportions and a spa-inspired bath that encourages quiet mornings and restorative evenings. Every element works together to create a retreat-like atmosphere that feels set apart from the pace of daily life. Outdoor living is equally compelling. A refinished deck overlooks the expansive acreage, delivering peaceful views and a sense of separation that is difficult to replicate. Properties that offer this level of land, renovation, and proximity to Quantico are seldom available, making this an opportunity defined as much by lifestyle as by location. Practical enhancements further elevate the home’s appeal, including a two-car garage and the rare convenience of washer and dryer hookups on every level, a detail that speaks to the thoughtful functionality woven throughout the property. For buyers who recognize the value of turnkey condition, meaningful acreage, and a residence designed to grow with them, this home represents a standout option in today’s market.
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.
