Welcome to luxurious living in highly sought-after Huntleigh at Creighton Farms. Nestled perfectly between the exclusive Creighton Farms Club and vibrant Willowsford in upscale Loudoun County, this former Stanley Martin model home offers an expansive 6,576 finished square feet of refined space across four levels. Situated on just over three acres of beautifully usable land, the property is a private oasis framed by mature trees, custom landscaping, and open lawns. Inside, a grand two-story foyer greets you with hand-scraped hardwood floors, sophisticated formal living, and elegant dining rooms. The main level seamlessly blends elegance and everyday functionality, featuring a sun-drenched conservatory and dedicated office. At the heart of the home, the gourmet kitchen boasts an oversized center island, granite countertops, abundant cabinetry, and stainless steel appliances. It opens directly into a welcoming family room anchored by a cozy gas fireplace. Extending the living space outward, a bright rear sunroom, a large screened porch, and a spacious Trex deck provide the ultimate indoor-outdoor experience, perfect for entertaining. Ascend the stairs to discover the luxurious primary suite, a true retreat featuring a private sitting area, custom walk-in closet, and a spectacular renovated en-suite bath complete with heated floors, dual vanities, and modern LED backlit mirrors. This level also hosts three generously sized additional bedrooms—one offering a private en-suite bath and two sharing a Jack-and-Jill bath—along with a conveniently located laundry room. The fully finished fourth level presents incredible versatility, adding a fifth bedroom, a flexible living area, and a full bath, making it an ideal space for guests, an au-pair suite, or a quiet work-from-home sanctuary. The fully finished walkout lower level is an entertainer's dream. Upgraded with resilient luxury vinyl plank flooring, this expansive space includes a large recreation area, a beautifully appointed dedicated wine room, a sixth bedroom, a fitness room, a full bath, and generous storage. Step outside to enjoy direct access to a custom stone patio and welcoming firepit area. Systems and major components have been exceptionally maintained, ensuring this spectacular home is move-in ready. Complete with a three-car side-load garage and functional rear yard, the property excels in everyday convenience. Located across from the prestigious Creighton Farms Golf Club, this residence offers access to top Loudoun County schools, shopping, dining, and major commuter routes, all while being conveniently located just twenty minutes from Dulles International Airport.
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.
