Welcome to 4326 Marhalt Place in the sought-after Brittany subdivision—an elegant 4-bedroom, 3.5-bath center hall colonial that blends timeless design with thoughtful updates and inviting living spaces. A spacious foyer sets the tone as you enter, with hardwood floors flowing throughout the main level. The quiet living room offers flexibility as a home office or creative studio, while the formal dining room features a crystal chandelier, crown molding, chair rail, and a convenient butler’s pantry, ideal for both everyday living and entertaining. The heart of the home is the well-designed kitchen, featuring a walk-in pantry, stainless steel appliances, granite island, tile backsplash, under-cabinet and recessed lighting. Casement windows above the sink frame a lovely view of the backyard, and the adjacent breakfast nook with bay window creates a bright, welcoming space to start your day. The step-down family room offers a warm and inviting setting with a gas fireplace, a wall of windows with transom accents, and French doors that open to the deck, filling the space with natural light. There is a rear foyer with a second coat closet providing easy access from the garage. The laundry room is located on this level and comes complete with a recently replaced washer/dryer (2023) and a French door to the deck to add everyday convenience. Upstairs, the staircase railing wraps around overlooking the foyer below. The hall bath with dual sinks has been updated in neutral gray and white tones. Each secondary bedroom is generously sized, including a rear corner bedroom filled with natural light and a walk-in closet. The spacious front bedroom also features its own walk-in closet. The primary suite is a true retreat, offering a cathedral ceiling, ceiling fan, and two walk-in closets. The renovated primary bath features a dual sink vanity, a large Jacuzzi soaking tub, frameless glass shower enclosure, and a private water closet. The finished lower level provides additional living space, including a large storage area with shelving, recreation room, a full bath, and a versatile bonus suite (ntc) ideal for guests. Outdoor living is exceptional, with a fenced backyard, beautifully landscaped for year-round enjoyment. Relax on the multi-tiered deck with pergola, or the stamped concrete patio. Additional features include a koi pond, an in-ground sprinkler system, garden shed, and a natural gas line to the grill. Patio furniture, grill, planters, storage box, deck lighting, and low-voltage garden lighting all convey—making this outdoor space truly turnkey. Brittany is a truly special community, surrounded by the natural beauty of Prince William National Forest, with scenic walking paths and trails woven throughout the neighborhood. At the entrance, Brittany Neighborhood Park offers a variety of amenities including basketball, tennis, volleyball, and commuter parking—making it as practical as it is enjoyable. For those commuting, there’s convenient bus pick-up right at the neighborhood entrance, along with additional options nearby. Residents also have access to optional golf, pool, and tennis memberships for an active lifestyle. Just across Dumfries Road, Fortuna Center Plaza provides easy access to everyday shopping at Target and the incoming Sprouts grocery store. Multiple local dining options along 234 are just minutes away, making this neighborhood ideally situated. New light fixtures, Dishwasher, Microwave 2025, Roof 2022, Oven, Refrigerator 2018, HVAC 2011, 75-gallon hot water heater 2011, Thompson Creek Windows 2010 This is a home that has been thoughtfully maintained and beautifully enhanced—ready to welcome its next chapter.
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.
