Extraordinary custom luxury retreat in Fairfax Station featuring dramatic floor-to-ceiling Pella picture windows, soaring vaulted ceilings, panoramic wooded views with matured lawn, and resort-style outdoor living. This one-of-a-kind property combines timeless elegance, warmth, and high-end finishes throughout with incredible privacy and a stunning estate-like presence on 1.5 acres! At the heart of the home is the huge renovated designer kitchen (2019) featuring quartz countertops and backsplash, stainless steel appliances, Sub-Zero refrigerator, built-in wine fridge, oversized entertaining island, and custom high-end finishes. The kitchen opens beautifully into the spacious family room with a striking fireplace and walls of windows overlooking the backyard retreat. Elegant formal living and dining spaces, a stunning updated sunroom addition (2023), refinished hardwood floors, luxury trim details, renovated bathrooms and a spacious primary suite with a spa-like renovated en-suite bath elevate every space in the home. In addition this home boasts the coveted THREE upstairs bathroom with every bedroom having private access to a bathroom! Also enjoy a 1st floor bedroom with a nearby full bathroom! The finished lower level offers a spacious recreation room, private den/flex room with attached full bathroom, and a huge storage room. Major updates include new upstairs carpet (2026), epoxy garage floor (2026), 50-year roof (2022), dual HVAC systems (2021), hot water heater (2021), renovated heated pool systems and expanded pool deck (2021), repaved driveway (2026) and more. Outside, enjoy a heated in-ground pool with electric cover, Trex deck, hot tub, custom-made stone hardscaping, mature landscaping, tree-lined privacy, and backyard space extending beyond the fenced area creating a true private retreat just minutes from shopping, dining, commuter routes, parks, and trails. Also this home is proud to be part of the highly-rated Robinson Highschool pyramid! Live in a quiet secluded retreat while also enjoying quick commuter access to the #123, Fairfax County Parkway and the #95 and #395
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.
