Ask about our aggressive buyer incentives. Welcome to 33 Carters Line Rd. in White Post, VA, where thoughtful updates meet peaceful country living. This extensively updated home offers spacious living across three finished levels, including a large primary suite addition, multiple living areas, and a finished walk-out basement designed for flexibility and functionality. The main level features a bright and inviting layout with a spacious living room centered around a fireplace, an updated kitchen with recessed lighting, a new island, stainless steel Frigidaire appliances, and a breakfast nook that flows seamlessly into the dining area—perfect for everyday living and entertaining. Fresh paint, updated flooring, and new carpet throughout give the home a clean, move-in ready feel. A convenient half bathroom and direct access to the oversized garage add to the functionality of the main level. Upstairs, the home offers a spacious primary suite addition featuring an expansive bedroom, walk-in closets, and a private full bathroom complete with a soaking tub and separate shower. Two additional generously sized rooms and another full bathroom complete the upper level, offering flexibility for guests, office space, or additional living needs. The finished walk-out basement provides even more usable living space with a large recreation room, an added half bathroom, and a dedicated laundry area—ideal for a second family room, home gym, media space, or work-from-home setup. Major system upgrades provide peace of mind, including a new roof, two HVAC systems (gas and electric), a new water heater, updated garage door with remote access, and restored garage functionality. The kitchen has also been fully refreshed with brand-new stainless steel Frigidaire appliances, including a built-in dishwasher, five-burner glass-top range, over-the-range microwave, and refrigerator. Outside, enjoy the rebuilt decks overlooking the fully fenced backyard, creating the perfect setting to relax, entertain, or enjoy the surrounding peaceful countryside. Located in a quiet rural setting while still offering convenient access to nearby commuter routes, shopping, and amenities, this property delivers a rare balance of privacy and accessibility. Don’t miss your opportunity to own this thoughtfully updated home with space, versatility, and major improvements already completed—schedule your showing today!
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.
