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5414 Holley Oak Ln, Fredericksburg, VA 22407
3 beds · 3 baths · 2,575 sqft
Welcome to 5414 Holley Oak Ln – Where Comfort Meets Convenience! Tucked away on a private lot backing to mature trees, this beautifully maintained 3-bedroom, 3-bathroom home offers over 3,300 square feet of stylish living space. Built in 2019, this modern residence blends contemporary finishes with thoughtful functionality—including a desirable MAIN LEVEL MASTER BEDROOM. Step inside to find brand new plush carpeting in the bedrooms, a flowing open-concept layout, and abundant natural light throughout. The upgraded kitchen and living areas are ideal for entertaining or relaxing, with seamless access to your fully fenced backyard oasis featuring a luxurious hot tub for year-round enjoyment. Low maintenance covered trex deck with vinyl railings lead to a large stone patio. Fully finished basement provides even more living space—perfect for a home theater, gym, or guest suite with plenty of storage space still available. Located in a welcoming community with pool and clubhouse amenities just minutes from I-95 and all the dining and shopping Fredericksburg has to offer—this home combines peace and privacy with unbeatable convenience. Call or email today to schedule your showing!
Source: BRIGHT #VASP2033502
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 #VASP2033502
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 620, 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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