3019 Ramsey Dr
Chester, VA 23831
3 beds · 3 baths · 1,898 sqft
$385,000
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Welcome Home to The Villages at Longmeadow! Get ready to fall in love with this charming 3-bedroom residence in Somersby, one of Longmeadow's most sought-after villages! Every village here has its own unique flair, and this home perfectly embodies the comfortable, convenient lifestyle you've been dreaming of in Somersby. This well-maintained home sits right at an acre and boasts spacious rooms throughout, including 2.5 well-appointed bathrooms. Step inside and be instantly charmed by beautiful hardwood flooring throughout the main level, a vaulted ceiling with a view of the loft from the living room, and incredible natural light flooding this inviting space. The easy flow guides you down the hallway to a spacious family room, where you can cozy up on cooler evenings by the fireplace—perfect for movie nights or getting lost in a good book. The open kitchen with its beautiful granite countertops and stainless-steel appliances allows you to prepare meals while entertaining. Gather with loved ones for meals in the dedicated dining area. You will be treated to scenic views of a peaceful wooded lot, bringing a touch of nature right to your dining window. Plus, enjoy the everyday convenience of an in-home laundry room and an attached garage. Upstairs, you will find 3 generous bedrooms. Your large owner's suite offers ample space and a private en-suite bathroom designed for your ultimate comfort and privacy. You'll love the versatility of the loft space, ideal for a home office, media room, or even an extra living area. Outside, your private deck is the ideal spot for outdoor entertaining or simply unwinding after a long day. And as a resident of Somersby, you'll have exclusive access to fantastic community amenities, including the clubhouse, pool, and playground—get ready for endless summer fun! Minutes from I-95 and 288, shopping, grocery, etc. This home truly has it all! Photos to come. Schedule your appointment today!
Source: CENTRALVIRGINIA #2517950
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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.
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Chester, VA 23831
3 beds · 3 baths · 1,898 sqft