This exquisite Colonial-style home with its classic and stately presence is nestled on a beautifully landscaped, over 4 acres of wooded privacy offering a harmonious blend of luxury and comfort, perfect for those seeking a slightly rural lifestyle with a gentle touch of modern living in the exclusive and sought-after community of Huntleigh in Creighton Farms. This exceptional 5-bedroom, 4.5 bath custom estate offers over 6000 sq. ft of modern luxury living space with over $400K in premium upgrades. This home features a symmetrical design with its front façade anchored by a covered porch with white columns that extend across part of the house, giving it a traditional and welcome look. Above, a second-story balcony that mirrors the porch below, adding both charm and architectural interest to this stunning home. The main level showcases a welcoming open grand entry with a rich and oak stained handrail and white spindles contrasting nicely against the darker wood steps. Straight ahead, a gorgeous gourmet kitchen featuring high end custom cabinetry, upgraded countertops, the heart of this home boasts a brand-new Wolf cooktop, double ovens, microwave, dishwasher, and oversized entertainment’s island along with a coffee/wine bar and lots of counter space making it ideal for your everyday living and entertainment on a grand scale. Flanked by a huge walk-in pantry and a mud room. Beautiful dark Engineered hardwood floors predominantly throughout, where you will find a warm and sun filled sunroom overlooking a private estate and mature trees. Entertain in the elegant dining room adorned with crown and chair rail molding, or gather in the formal living room for intimate moments The bright main-level office provides productive work-from home. Upper level, the primary suite has a beautiful chandelier, a stunning sitting room and a spa like bath with tub, shower complete with His/Her vanities, and an oversized walk-in closet. Two full baths with a shower and tub with Kohler fixtures. Recently installed brand new carpet throughout. The finished lower level features a 5th bedroom with en suite with full bath, a game room, multiple areas for your own creation and two storage spaces. The walk-up basement provides a retreat featuring an extensive custom patio, fire pit and built-in grill, a 6 zones underground irrigation system and professional landscape lighting with a private alcove for relaxation and/or entertainment. The crown jewel at Creighton Farms is the 18-hole Jack Nicklaus championship golf course that you can join with additional membership. The expanded driveway leads to three car garage doors and 8 additional parking spaces. Situated on over a private 4-acre lot surrounded by nature, well-manicured walking trails, panoramic views of the gently rolling countryside, a serene creek, this one-of a-kind property feels tucked away yet remains conveniently close to the airport, railway, shopping, dining, and the Dulles Toll Road. Welcome Home!
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.
