Welcome to this beautifully maintained Van Metre Fitzgerald II model ideally situated at the end of a quiet private cul-de-sac in the highly sought-after Southern Walk section of the Broadlands community—one of Loudoun County’s premier neighborhoods known for its top-ranked schools, extensive trail system, and convenient access to the Ashburn technology corridor. The heart of the home is a massive gourmet quartz kitchen remodeled in 2022 and designed for both entertaining and everyday living, featuring expansive quartz countertops, extensive cabinetry with under- and over-cabinet lighting, multiple seating bars, premium gourmet appliances including a counter-depth JennAir refrigerator, a large undermount stainless steel sink with disposal, a spacious pantry, and an additional kitchen storage closet, while just inside the garage a stainless steel garage-ready refrigerator/freezer provides convenient additional storage for entertaining and bulk groceries. The home’s open layout flows seamlessly into spacious living and dining areas with wood flooring throughout the main level (2018), updated LED recessed lighting (2026), and brand-new carpeting on the main and upper levels (2026). The main level also features a private office with French doors ideal for remote work or study, a convenient half bath, and a spacious mudroom and laundry room just off the garage that serves as a practical everyday drop zone. Upstairs, the home offers four generously sized bedrooms and an oversized upper-level sitting room—an uncommon feature for this model that provides flexible space for a second family room, media area, or study space—along with a primary suite featuring a beautifully updated bath with a new high-end quartz vanity; the home includes 4.5 well-appointed bathrooms. The fully finished walk-up basement provides exceptional additional living space with a full bathroom, guest sleeping area, personal gym space, separate storage area, walk-up access to the backyard. Outdoor living is equally impressive with a large Trex deck featuring integrated lighting and multiple stair access points overlooking the fenced backyard and open green space, while beneath the deck is a full covered patio storage area with multiple gated access points providing excellent functional storage and easy backyard access. The backyard also includes a large storage shed (2021) and a professional irrigation system (2021). Just outside the back gate behind the deck stairs, homeowners can step directly onto Broadlands’ extensive walking trail network providing a safe and scenic path leading directly to the community center, Mill Run Elementary, and Eagle Ridge Middle School, and a bus stop is conveniently located at the end of the street. Additional improvements include a new walkway, CertainTeed premium vinyl siding (2025), a newer roof (2022), dual-zone HVAC, an 80-gallon water heater, and a recently sealed driveway that comfortably accommodates four vehicles along with a two-car garage and pull-down attic stair storage. Broadlands residents enjoy exceptional amenities including three swimming pools, nine tennis courts, two basketball courts, 23 tot lots, and miles of scenic nature trails with restaurants, coffee shops, grocery options, and neighborhood conveniences just minutes away, and the home is conveniently located near the Ashburn Silver Line Metro, Route 267, Route 7, and Washington Dulles International Airport, offering an exceptional combination of luxury upgrades, outdoor lifestyle, and premier Loudoun County location.
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.
