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5001 Misty Spring Dr, Midlothian, VA 23112
4 beds · 3 baths · 2,322 sqft
Welcome to one of Midlothian’s best-kept secrets! Tucked away on a quiet street with no HOA, this updated 4-bedroom, 2.5-bath home checks all the boxes! Step inside to find durable, light-toned LVP floors (2022) that run throughout the first level, paired with fresh paint (2022) that makes the most of the natural light. To your right, a formal dining room sits ready for holidays and special dinners. Head into the heart of the home and you’ll find a fully remodeled kitchen (2023) with custom cabinetry, quartz countertops, stainless steel appliances, and a clean navy-and-white color scheme accented by brushed brass hardware. The layout flows seamlessly into the open living area — perfect for relaxing at home or entertaining guests. Upstairs, the spacious primary suite features a large walk-in closet with custom-built-ins and an en suite bath with dual vanities, soaking tub, and separate shower. Three additional bedrooms and a second full bath give you plenty of options for kids, guests, or a home office. Outside, the rebuilt front porch (2024) adds curb appeal, and the new rear sliding patio door (2024) opens onto double rear decks and a large backyard — ideal for pets, play, quiet evenings, or your next cookout. Need a workshop or extra storage? The detached shed (x2!) is fully wired and offers room for tools, hobbies, or overflow storage. Be sure to check out the attic for even more bonus storage! The main garage includes cable access, a mounted TV, and houses the irrigation controller for a six-zone sprinkler system. Other big-ticket items sellers have updated include: Roof (2024, house & shed), one (1) HVAC unit (2022), water heater (2023), garage stairs (2024), and more. All of this, just minutes from schools, shops, and commuter routes. Clean, stylish, and move-in ready — this one’s a standout!
Source: CENTRALVIRGINIA #2517996
Why Roam
Gap financing to lower your down payment
Unlock down payments as low as 5% – only with Roam
5x the likelihood your offer is accepted
If a purchase takes longer than 45 days, we’ll cover the seller’s mortgage until you close
Close faster and stress-free
We close 2x faster because of our deep experience and lender relationships
Rates and payments are estimates based on public records.
Source: Public records
All values shown are estimated costs / mo.
Source: Public records
Source: CENTRALVIRGINIA #2517996
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.
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