Welcome home to a place where space, comfort, and flexibility truly come together. Tucked away on a quiet cul-de-sac and set on a generously sized lot—with added privacy and no neighbors to the right—this home offers the kind of peaceful setting that’s hard to find and easy to love. From the moment you step inside, you’ll notice how thoughtfully designed each of the four finished levels is, giving everyone room to spread out while still feeling connected. At the very top, you’ll discover a private retreat that feels like its own apartment within the home. Whether you’re hosting guests, accommodating extended family, or simply craving a quiet escape, this level offers a spacious living area, bedroom, and a full bath—your own tucked-away haven. Just below, the top level is a floor designed for both comfort and everyday living. The primary suite is truly something special—an expansive retreat where you can unwind by your own cozy gas fireplace, enjoy a separate sitting area, and take advantage of two walk-in closets. The spa-like bath invites relaxation with dual vanities, a jetted tub, private water closet, and separate shower. Additional bedrooms are thoughtfully arranged, including one with a private bath and another with direct hall bath access—perfect for family or guests. Elegant wood stairs connect each level, adding warmth and character throughout. The main level is where life naturally comes together. Picture gathering in the inviting family room by the fire or preparing meals in the gourmet kitchen, complete with a large granite island, stainless steel appliances, cooktop, and double ovens. There’s plenty of space to share meals, entertain, or simply enjoy everyday moments. Formal dining and living spaces offer flexibility for a home office, reading room, or entertaining, while a convenient half bath and garage access make daily living effortless. The walk-up lower level offers even more flexibility with a finished recreation area, a large private bedroom with full en-suite bathroom, perfect for guests or additional living space. A bonus finished area provides ample storage or room to customize to your needs. Step outside and imagine evenings spent in your fully fenced backyard, relaxing on the stamped concrete patio or gathering around the built-in fire pit. It’s a space made for both quiet moments and memorable get-togethers. And when it’s time to head out, you’ll appreciate the easy access to I-95, making commuting to Washington, DC simple, with shopping, dining, and Quantico just minutes away. This isn’t just a house—it’s a home designed to grow with you, welcome others, and make everyday living feel just a little more special.
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.
