***NO HOA*** Welcome to the Quantico Creek Community in Graham Park Shores, ideally located in close-in Triangle! Just minutes from MCB Quantico, I-95, and the Virginia Railway Express, this spacious colonial nestled in a quiet cul de sac in one of the few well-maintained neighborhoods with NO HOA! This beautifully maintained 5-bedroom, 3.5-bath home with over 3,000 square feet offers the perfect blend of charm, space, and thoughtful updates. From the moment you step inside, you’ll notice the warm oak hardwood floors, elegant crown molding, and a cozy gas fireplace in the family room, which is perfectly situated just off the kitchen and flows effortlessly to a spacious deck. The kitchen and bathrooms have been tastefully updated, creating a move-in ready feel while still offering room to make it your own. Out back, the oversized yard backs to peaceful wooded views, giving you a private, serene setting to unwind. The stamped concrete patio with a built-in firepit is the perfect spot for entertaining or relaxing under the stars. Upstairs, the spacious primary suite feels like a true retreat with a walk-in closet and a beautifully renovated en suite bath featuring a luxurious soaking Jacuzzi tub. The second bedroom also offers a generous walk-in closet, while the third and fourth bedrooms are well-sized and share a full hall bathroom, creating a functional and comfortable layout for everyday living. The walk-out basement expands your living space with a large rec room, full bathroom, and an additional room with a walk-in closet, ideal as a fifth bedroom (NTC), guest space, or home office. This level is perfect for multi-generational living, college students, or even a roommate setup. A dedicated laundry room with abundant storage makes everyday living easy and organized. For those who love to cook, the kitchen can easily be configured for a gas range, adding even more flexibility to this already exceptional home. Family Room Carpet Replaed 2026 Roof and siding were replaced in 2018, offering peace of mind for years to come. Water Heater replaced in 2019 Vacation at home in this peaceful park-like setting near the Potomac River. Enjoy world-class shopping, dining, and entertainment at Stonebridge Potomac Town Center, The Rose Gaming Resort, Wegmans, and Potomac Mills Mall—all just a short drive away. An unbeatable commuter location: less than 5 miles to the VRE, with easy access to I-95, Route 1, MCB Quantico, Metro Bus, Park & Ride, and commuter options to Fort Belvoir, the Pentagon, and DC. Close to parks, Quantico hiking trails, and scenic Quantico Creek—your ideal blend of nature, comfort, and convenience awaits!
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.
