Luxury Living Meets Modern Convenience in Loudoun Valley Estates! Welcome Home! Your New Chapter Begins Here—Discover the ideal blend of community, comfort, and contemporary style in the heart of Loudoun Valley Estates. Stunning and Spacious 4-level, 4-bedroom, 4.5-bath townhome with a 2-car garage, offering an impressive 3,720 square feet of beautifully finished living space. Filled with natural sunlight and freshly updated with plush new carpet and designer paint. This home blends style, comfort, and sophistication at every turn. The open-concept main level is an entertainer’s dream, featuring a gourmet kitchen with a large center island, quartz countertops, ample cabinet space, and stainless-steel appliances—beautifully crafted for cozy family nights or larger gatherings with guests. Sun-filled living and dining areas flow seamlessly together, creating an inviting atmosphere for both relaxation and entertainment. The upper level boasts spacious bedrooms and an intimate spa-inspired shower, perfect for relaxation after a long, stressful day. We can’t stop there; the generous fourth level offers both privacy and potential, perfect for long-term guests, a teen suite, or your dream home studio. The lower-level family room delivers incredible flexibility—ideal for a home theater, guest suite, or a comfortable retreat for family gatherings. An additional custom-built bedroom enhances the space, creating the perfect setup for overnight guests or extended stays. The spacious two-car garage includes electric vehicle charging, designed for today’s modern lifestyle. Residents can enjoy elevated amenities, including well-maintained pools, basketball courts, playgrounds, and scenic walking paths. Families will also love access to top-rated Loudoun County schools, adding even more appeal to this exceptional home. Perfectly situated near the Silver Line Metro, Dulles Airport, Dulles Town Center, One Loudoun, and the area’s premier shops and restaurants. This home provides effortless access to everything you need while offering a peaceful retreat to come home to. With its spacious layout, elegant finishes, and unbeatable location, it delivers the best of Ashburn living—sophisticated, sunlit, and simply spectacular! Take advantage of an Assumable FHA loan- an excellent option for qualified buyers! Contact agent for more details.
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.
