Sign in to see required down payment for the 2.875% rate
5016 Gardner Dr, Alexandria, VA 22304
3 beds · 4 baths · 2,630 sqft
Welcome to this beautifully updated and impeccably maintained James Blair model, offering full bump-outs on every level for exceptional living space and versatile functionality. From top to bottom, this home has been thoughtfully enhanced with modern upgrades and timeless finishes. The inviting lower level features hardwood floors, fresh paint, and updated lighting—completed in 2025. A cozy family room with a 60" remote-controlled electric fireplace with mantel, a 120” projection screen with projector and sound bar with surround sound (both convey) creates the perfect space for movie nights or game days. A full bathroom with a walk-in shower adds convenience, while barn doors enclose the rear bump-out, ideal for a private office or den, guest room, or fitness space. Step outside to the fenced-in patio with new hardscape—an ideal setting for outdoor entertaining or quiet relaxation. Upstairs, the main level boasts an open-concept design filled with natural light. The chef’s kitchen features granite countertops, stainless steel appliances, a gas cooktop with downdraft, dishwasher, and a charming gas fireplace. Elegant cabinetry with brass hardware, a marble backsplash, and a built-in coffee station with wine fridge complete the stylish and functional kitchen. The adjacent family room flows seamlessly onto a private deck, perfect for grilling, morning coffee, or unwinding after a long day. On the upper level, you’ll find three generously sized bedrooms with new carpeting, including a luxurious primary suite with vaulted ceilings and a newly renovated spa-like bath with a corner soaking tub and separate shower. Two additional bedrooms share a well-appointed hall bathroom. Major updates include a professionally serviced roof, freshly painted front exterior and fence, new furnace (2025), newly installed light fixtures and recessed lighting throughout, new smoke detectors, fresh interior paint, and updated kitchen and baths. Complete with a one-car garage and full driveway, this home offers comfort, style, and convenience in one perfect package. Ideally located just minutes from all Cameron Station amenities and the green spaces of Brenman Park, this exceptional property is not to be missed.
Source: BRIGHT #VAAX2045300
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: BRIGHT #VAAX2045300
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.
No credit check. Takes 2 minutes.