Welcome to this stunning home nestled in the highly sought-after Brookside community on the DC side of Warrenton—where elegance, comfort, and lifestyle come together beautifully. The charming partial stone front sets the tone for the impressive features within. Step inside to a grand two-story foyer w/soaring 20-foot ceilings that create an unforgettable first impression. The main level offers a refined office complete w/hardwood floors, crown molding & French doors—perfect for working from home in style. Designed for both entertaining and everyday living, the spacious living room & formal dining room are filled w/ natural light & enhanced with classic crown molding. At the heart of the home is a truly exceptional gourmet kitchen, featuring expansive 10-foot island w/Granite countertops, cabinetry on both sides of the island & Stainless steel appliances—including a brand-new dishwasher (2026) & refrigerator replaced (2022). The adjoining morning room provides the perfect space to enjoy casual meals while overlooking the backyard. Just beyond, glass doors lead out to an impressive two-tier Trex deck and a gorgeous stamped concrete patio-(a $50K investment), ideal for outdoor entertaining or relaxing evenings. The family room is nothing short of spectacular, highlighted by a dramatic floor-to-ceiling Natural gas fireplace that serves as a stunning focal point & Brand new carpet. A convenient powder room & a well-appointed main-level laundry room add to the home’s everyday functionality. Upstairs, the luxurious Primary suite offers a peaceful retreat w/a tray ceiling, a spacious walk-in closet and an additional custom-designed closet system valued at $14K. Brand-new carpeting throughout the home (costing $8K) adds a fresh and inviting feel. The second spacious bedroom features its own private En-suite bath, while bedrooms three & four are generously sized. Renovated hallway full bath with dual sinks. The fully finished Walkout basement expands your living space even further, featuring a large recreation room, play area, and a full bath. An enormous bonus room offers endless possibilities—perfect for a 5th bedroom, home gym, workshop, or craft space. **The Hot Water heater was replaced with an "On-demand tankless water system" in (2022) cost $3400** The home is 2 zoned for HVAC of which 1 has recently been replaced. This home also has an irrigation system to keep your lawn fresh & green. Completing this exceptional property is a 3-Car side-load garage equipped with an EV charging station! Perfectly located for convenience, this home offers easy access to Routes 29, 15, 28, and I-66—making commuting a breeze. Enjoy being just minutes from Wegmans, shopping, dining, medical facilities, and everyday essentials. This home truly has it all—space, style, upgrades, and an unbeatable community. Located in amenity-rich Brookside, residents enjoy miles of scenic trails, lakes, multiple pools & kiddie pools, swim teams, 2 clubhouses, 2 party rooms, basketball, volleyball, pickleball, tennis courts, soccer field & tot lots. Located all just minutes from Route 15, 29, I-66 & 28, Wegman grocery store, shops, restaurants, movie theatre, medical facilities + more.
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.
