There are homes buyers like and then there are homes buyers emotionally attach themselves to before they even leave the driveway. 4329 Village Creek Drive is the latter. The moment buyers arrive, the front porch immediately changes the energy. It feels like slow Sunday mornings with coffee in hand, children riding bikes before dinner, holiday photos that become family traditions, and peaceful evenings where life finally feels settled. In a market filled with houses, this home delivers something far more valuable a feeling.Step inside and the experience only intensifies. Thoughtfully refreshed and strategically upgraded for today’s buyer, this Chesterfield showpiece features Brand NEW granite countertops, a Brand NEW stove and dishwasher, fresh modern paint throughout, and Brand NEW carpet flowing through most bedrooms and hallway spaces. Even the major systems have already been addressed with a BRAND NEW 2nd floor HVAC system (2025) and BRAND NEW 3rd floor HVAC system (2026), creating the kind of turnkey confidence buyers are willing to compete for. And the location? Absolutely unmatched for the lifestyle today’s market demands. Positioned just minutes from Route 288, I-95, and Powhite Parkway, this address offers seamless access to Downtown Richmond, Capital One, HCA Healthcare, Bon Secours, Fort Gregg-Adams, top-rated dining, shopping, entertainment, parks, and the region’s fastest-growing employment corridors. Whether relocating, upgrading, or investing in lifestyle and convenience, buyers immediately understand the value of this location. This is the rare listing that checks every box at once: emotionally captivating, beautifully updated, meticulously maintained, strategically located, and completely move-in ready. The type of home buyers walk into and instantly begin mentally placing furniture, planning birthdays, hosting holidays, and imagining their future. More than a home, it’s the lifestyle buyers want. Be Intentional® Schedule Your Private Showing Today
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.
