STUNNING 4 GENEROUS SIZED BRICK FRONT HOME IN HILLS AT AQUIA! This meticulously maintained gem, cherished and loved, is perfectly move-in ready for its new owners. Step inside the sun-drenched foyer where gleaming hardwood floors immediately steal the show, reflecting the natural brightness of the day! This beautiful brick-front home boasts 4 generous sized bedrooms and 3.5 luxurious baths. The exterior features a classic brick facade, a 2-car garage plus driveway parking for two extra vehicles, all situated on a beautifully manicured lot. Flexible living spaces to include separate living and dining room, family room and kitchen lead directly out to the maintenance-free deck—perfect for sipping morning coffee—conveniently located off the sunroom. Experience ultimate tranquility and privacy in the fully fenced backyard with a handy storage shed (ideal for tools or holiday treasures), as the property backs to peaceful green space. Back inside, imagine the holidays and gatherings in the gourmet kitchen featuring an island, tons of cabinet space, stainless steel appliances, oversized pantry with access to the laundry room and garage. Prepare to be amazed by the fully finished lower level, which is absolutely purposed for entertaining and luxury living! This space features a dedicated, fully furnished media room (all items convey!), a complete wet bar area (dishwasher, sink, and small refrigerator all convey), overside sitting area with pool table and accssories (all convey) a full bathroom, a storage closet, and an additional bonus room (NTC) currently utilized as a second office. The basement offers easy access via a convenient walk-up exit directly to the private, fully fenced backyard. Ascend to the upper level via a double staircase for truly TOP-TIER living. The second level offers a stunning overlook into the family room and foyer. Here you will find four large bedrooms, each featuring generous closet space. The Primary Bedroom is a private sanctuary, accessed through double doors, and filled with serene natural lighting. It is gracious enough to accommodate a King-Sized bed and a dedicated sitting area. The Primary Bath offers pure indulgence with a luxurious soaking tub, separate vanities, and a separate shower and toilet room, creating the perfect spa-like retreat. If convenience is important, this home delivers convenience with a capital C! It is strategically located right off Route 1, providing lightning-fast access to I-95 and Route 610. You are mere moments away from an incredible array of abundant shopping and essential amenities, including gas stations, major grocery stores, popular restaurants, WAWA, banks, and pharmacies. Commuters will cheer, as you are less than 15 minutes from the gates of Quantico and major commuter lots. This home is truly ready to start its new chapter with you!
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.
