Luxury is more than square footage. It’s a feeling. A rhythm. A standard of ease and refinement that elevates the everyday. At 4550 Geyser Creek Loop, that standard is not just met, but surpassed. This custom-crafted home, located in the prestigious, gated Dominion Valley Country Club, offers the perfect convergence of form, function, and resort-style living—engineered for those who work hard and expect their home to deliver the same. From the outside, the home presents with timeless Craftsman details: a covered front porch, crisp trim lines, subtle architectural balance and manicured landscaping. Once you step inside the true character of the home comes to life. Hardwood floors stretch across the main level, setting the tone for a home that is equal parts elegant and durable. Ceilings soar to 10 feet on the first floor enhancing the sense of openness and light. The entry foyer is a formal introduction to the home, bordered with chair rails, crown molding, and shadow-box trim details that extend a warm welcome. Off the foyer sits a flex room or office, ideal for working from home, music lessons, or formal library needs. Framed by French doors and oversized windows, this room is as functional as it is beautiful, offering the flexibility today’s professionals and families require. Beyond, the heart of the home unfolds: a sweeping great room that merges seamlessly with the kitchen and dining area. The great room features a gas fireplace, custom built-in cabinetry with display shelving, and recessed lighting. Natural light pours in through dual sliding glass doors, which lead directly to a Trex composite deck, an inviting no-maintenance outdoor living space. The adjacent gourmet kitchen is a chef’s delight and entertainer’s dream. Designed with both beauty and utility in mind, it features stainless steel appliances, including a gas cooktop with range hood, built-in microwave, and wall oven. The quartz countertops sparkle under pendant and recessed lighting, while a custom walk-in pantry keeps everything in its place. The oversized center island anchors the space, offering ample prep surface and casual seating for gatherings both impromptu and planned. A dedicated dining area is wrapped in natural light and finished with layered trim work, it offers a space that comfortably supports both weekday meals and holiday hosting. Nearby a thoughtfully placed mudroom connects to the 2-car garage and features a custom drop zone, perfect for keeping the bustle of daily life contained. A powder room completes the main level. Upstairs, nine-foot ceilings carry through all four newly carpeted bedrooms. The primary suite is a true retreat, complete with tray ceiling, dual walk-in closets, and a spa-inspired ensuite bath. Features include a semi-frameless glass walk-in shower with seat, a drying area, dual vanities, private water closet, and ceramic tile flooring. Bedroom 2 features a private en-suite bath, while Bedrooms 3 and 4 share a well-appointed hall bathroom with double sinks and a tub/shower combo. A large second-floor laundry room, with built-in cabinets, a utility sink, and hanging rack, adds convenience without sacrificing style. The finished basement expands your living possibilities. With zones for media, gaming, or quiet lounging, the space is anchored by a custom entertainment center and offers a full bathroom, Murphy bed, and second refrigerator—ideal for overnight guests or multi-generational living. A walk-up exit provides direct access to the backyard. Yet as luxurious as the home is, the real value may lie in the amenity rich community and year-round social calendar. Walk or bike to Market Square for groceries, coffee, restaurants, and essentials. Commuter routes are easily accessible via Route 15 and I-66. For those seeking newer construction, everyday function, and elevated lifestyle in a country club setting—this home delivers.
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.
