If a beautiful homesite is high on your wish list, 35529 Hudson Street deserves your attention. Nestled on a picturesque lot with mature trees and a seasonal stream, this property offers a setting that is increasingly difficult to find. And that's before you step inside the pristine stone-front Colonial that complements it perfectly. From the charming covered front porch overlooking mature landscaping accented by boxwoods, a stately oak tree, and a graceful Japanese maple to the expansive Trex deck overlooking the wooded backyard, this home embraces its natural surroundings at every turn. A dramatic two-story foyer with hardwood flooring welcomes you inside and opens to an elegant living room with crown molding and a gracious dining room ideal for entertaining. Large windows frame views of the treed rear yard, bringing the outdoors in. At the rear of the home, the open-concept kitchen and family room create a comfortable space for everyday living and gatherings alike. The kitchen features black granite countertops, a striking Moroccan marble backsplash, 42-inch cabinetry, abundant prep space, a center island with seating, pendant lighting, recessed lighting, and a sink positioned to enjoy backyard views. Step outside to the incredible Trex deck, designed with two generous gathering areas overlooking mature trees and the seasonal creek below. During parts of the year, the gentle sound of flowing water creates a peaceful backdrop for outdoor dining, entertaining, or simply relaxing. White railings accented by black pickets add a sophisticated finishing touch to this outdoor retreat. The family room is anchored by a stunning stacked-stone fireplace with stone mantel and filled with natural light from multiple rear-facing windows. The seamless connection between the kitchen, family room, and deck makes entertaining effortless. The main level also offers a large coat closet, secondary pantry, powder room with a window, and access to the oversized two-car garage. A notable feature of this home is its advanced fresh-air management system utilizing a Heat Recovery Ventilator (HRV) or Energy Recovery Ventilator (ERV). This system continuously replaces stale indoor air with filtered fresh outdoor air while mechanical dampers regulate oxygen intake. The result is enhanced indoor air quality and exceptional energy efficiency, helping the home remain comfortable year-round. Upstairs, four generously sized bedrooms each feature a walk-in closet. The primary suite offers abundant natural light, two oversized walk-in closets, a spacious sitting room, and a luxurious bath with raised dual vanities, a large shower, and an oversized linen closet. The sitting room is the perfect nook for reading, enjoying a morning coffee, practicing yoga, or simply appreciating the luxury of extra space. The suite comfortably accommodates a king-sized bed and additional furnishings while still feeling open and inviting. Three additional bedrooms offer excellent closet space and flexibility, while the hall bath features a raised vanity and tub/shower combination. Completing the upper level is a highly sought-after walk-in laundry room with built-in shelving and storage. The unfinished walk-up lower level features abundant natural light, double sliding glass doors to the backyard, only four steps to grade, and a three-piece rough-in for a future bath. Whether you envision a recreation room, guest suite, fitness area, home office, media room, or additional living space, the possibilities are endless. Mountain Valley residents enjoy an exceptional small-town lifestyle just minutes from the heart of Round Hill. Local favorites include Tammy's Diner, charming antique shops, a veterinary clinic, and convenient neighborhood markets for everyday essentials. Round Hill Park hosts holiday celebrations, seasonal festivals, and family-friendly events throughout the year, while the Round Hill Aquatic Center offers swimming, fitness, and recreation opportunities for all ages.
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.
