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4309 2nd St, Richmond, VA 23223
2 beds · 1 baths · 720 sqft
Welcome to 4309 2nd St., nestled on a quite street in Henrico, VA. This beautifully renovated, 2 bedroom, 1 full bathroom home offers modern upgrades and features throughout, making it the perfect place to call home. The exterior boasts low maintenance - vinyl siding, replacement vinyl energy efficient windows, and a fully covered front porch. You'll find an array of updates inside, including a newer water heater (2022), newer American Standard HVAC heat pump (2022), NEW luxury vinyl plank flooring throughout the home (2025), Freshly Painted kitchen cabinets, Updated lighting throughout, NEWER Granite counters (2022), NEWER appliances and so much more! As you pull into the driveway you're met with tons of curb appeal! Walking up to the covered front porch that has been freshly painted you enter into the family room with tons of natural lighting, NEWER LVP flooring, lighted ceiling fan, LED lighting and an open concept to the updated kitchen, featuring painted white cabinets, newer appliances & fantasy brown granite countertops. There is a freshly painted back deck off of the kitchen perfect for outdoor entertaining! All new lighting throughout the home enhances the bright, airy atmosphere. The primary bedroom boasts a lighted ceiling fan, LVP flooring and sizable closet! The additional bedroom has a lighted ceiling fan, LVP flooring and is generously sized. The hallway bathroom offers LVP flooring, a tub and shower, a new vanity, new light fixture, new mirror and newer toilet. Off of the kitchen is a laundry space with NEWER LG washer/dryer. Don’t miss the opportunity to make this move-in-ready home yours!
Source: CENTRALVIRGINIA #2518228
Why Roam
Gap financing to lower your down payment
Unlock down payments as low as 5% – only with Roam
5x the likelihood your offer is accepted
If a purchase takes longer than 45 days, we’ll cover the seller’s mortgage until you close
Close faster and stress-free
We close 2x faster because of our deep experience and lender relationships
Rates and payments are estimates based on public records.
Source: Public records
All values shown are estimated costs / mo.
Source: Public records
Source: CENTRALVIRGINIA #2518228
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.
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.
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.
Roam is committed to and abides by the Fair Housing Act and Equal Opportunity Act.
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