4804 Hackney Rd, North Chesterfield, VA 23234
3 beds · 2 baths · 1,365 sqft
Discover serenity in this charming Ranch home, perfectly situated alongside a tranquil creek. With 3 bedrooms and 2 full baths spread over 1,365 sq ft, this residence combines comfort and privacy in an idyllic setting. Featuring a dimensional roof, vinyl siding, and central air, it’s the perfect place to unwind. Relax in the vaulted family room with a cozy fireplace or step through the sliding doors onto the deck to soak in the peaceful views. The master bedroom offers a private balcony, ideal for morning coffee or evening relaxation. Enjoy the calming sound of the creek and picturesque views from two decks, surrounded by the privacy of a wooded lot in a quiet cul-de-sac. While the home is being sold as-is, it’s full of potential for your personal touch. Updates like a new hot water heater add convenience, and the location offers easy access to major highways. Don’t miss your chance to make this serene retreat yours!
Source: CENTRALVIRGINIA #2516345
Source: CENTRALVIRGINIA #2516345
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.