Welcome to 5397 Cedarville Court, a stunning, meticulously maintained 6-bedroom, 4.5-bath residence with a 3-car garage, ideally situated on a rare half-acre cul-de-sac lot within the prestigious, gated, tree-lined community of Dominion Valley Country Club. Offering over 6,000 square feet of beautifully finished living space, this exceptional home has been thoughtfully updated from top to bottom with no expense spared, as it was intended to be a "forever home." A dramatic two-story foyer and gleaming hardwood floors set the tone for the elegance found throughout. Soaring ceilings, expansive windows, and abundant natural light create an inviting atmosphere that feels both grand and comfortable. The formal living and dining rooms flank the entry and provide versatile spaces for entertaining, gathering, or working from home. At the heart of the home is the spectacular gourmet kitchen, featuring white cabinetry, stainless steel appliances, endless quartz countertops, and remarkable attention to detail. Custom storage solutions include spice cabinets, pull out drawers, an appliance garage with dedicated outlet, magnetic child-safe lower cabinets, and two separate pantries. The spacious breakfast area, surrounded by windows, seamlessly connects to the expansive deck, creating the perfect setting for everyday living and effortless entertaining. The adjoining family room showcases a stately stone fireplace, custom built-in shelving and cabinetry, and a large multi-purpose storage closet that can serve as a secondary pantry. A spacious home office, laundry room, and powder room complete the main level. Go upstairs via either the front or the back staircase, where you will find the luxurious primary retreat which offers a peaceful escape with a sitting area, vaulted ceiling, beautiful natural light, and extraordinary custom-designed closets. The spa-inspired primary bath features a Jacuzzi tub, walk-in shower, dual-sink vanity, and generous linen storage. Four additional spacious bedrooms, each with custom closet systems, are complemented by two updated full baths. The 5th bedroom could be used as an enormous bonus room ideal for a media room, playroom, craft room, additional office, or secondary family room. The recently finished lower level expands the home's versatility even further. Complete with a sixth bedroom, fourth full bath, and expansive recreation space, this level is perfectly suited for multigenerational living, movie nights, gaming, fitness, hobbies, or guest accommodations. Ample storage ensures there is a place for everything. Outside, enjoy the privacy of a beautifully landscaped half-acre lot enhanced by a 10-zone in-ground irrigation system and peaceful cul-de-sac location. Residents of Dominion Valley Country Club enjoy an unparalleled lifestyle with seven indoor and outdoor pools, sports courts, playgrounds, parks, walking trails, a community center with year-round activities, and a stocked lake with docks for catch-and-release fishing. Optional membership to Dominion Valley Country Club provides access to the renowned Arnold Palmer Signature Golf Course, clubhouse, dining, and fitness facilities. The home is conveniently walkable to a community pool, playground, public library, and Battlefield High School. With eight guarded entrances providing exceptional security and peace of mind, and endless shopping, dining, entertainment, and commuter options just beyond the gates, this remarkable property truly offers the best of both worlds.
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.
