27 Brown Cir
Fredericksburg, VA 22405
4 beds · 3 baths · 2,544 sqft
$525,000
Get prequalified27 Brown Cir
Fredericksburg, VA 22405
4 beds · 3 baths · 2,544 sqft
$525,000
Get prequalifiedTucked away in peaceful South Stafford County, yet just minutes from the heart of Historic Downtown Fredericksburg, this charming home offers the best of both worlds! Nestled on a quiet, secluded street in the back of Sweetbriar Woods neighborhood, this home provides a serene setting with easy access to dining, shopping, and commuting routes. Relax on the welcoming front porch or enjoy your mornings and evenings on the spacious back deck—ideal for grilling, sipping coffee, hosting friends, or simply unwinding after a long day. Step inside through the garage into a large, functional mudroom with plenty of space for coats, shoes, and bags. Just beyond, the remodeled kitchen—updated approximately six years ago—is a chef’s dream with modern cabinetry, beautiful granite countertops, a custom backsplash, upgraded appliances, bar seating, and a casual eat in area overlooking the cozy family room with a wood-burning fireplace. Flooring on main level was updated aprox. 6 years ago as well. A formal dining room on the other side of the kitchen offers the perfect setting for special occasions and formal dinners. When you enter through the front door, you’re welcomed by a bright and sunny living room filled with natural afternoon light. The entire home has been freshly painted, creating a bright and move-in-ready atmosphere. The upstairs features brand-new carpet (2025) throughout, including on the stairs. The spacious primary suite offers dormer windows, a walk-in closet, and a private bath with a double vanity (vanity and flooring updated in 2025). The secondary bedrooms are generously sized with ceiling fans and ample closet space. Hall bathroom vanity and flooring were also updated in 2025. The roof is approximately seven years old, offering peace of mind. Downstairs, the unfinished walk-out basement provides endless potential—whether you're looking for extra storage, a workshop, or room to grow. You'll find a wood-burning stove for extra warmth on those chilly winter days, a large utility sink, a workbench, and plenty of space for hobbies or future finishing. This home is conveniently located just minutes to Downtown Fredericksburg, the VRE, and I-95. This move-in-ready home combines privacy, many updates, and accessibility in one exceptional package. Don’t miss the opportunity to make this Sweetbriar Woods gem your new home—schedule your tour today!
Source: BRIGHT #VAST2040150
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.
Roam is committed to and abides by the Fair Housing Act and Equal Opportunity Act.