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8328 River Rd, Fredericksburg, VA 22407
4 beds · 3 baths · 2,336 sqft
Welcome to your private oasis on over one acre with no HOA—a rare find that feels like living in your own park! Surrounded by mature trees and lush landscaping, this home offers peace, privacy, and space to enjoy both inside and out. Car enthusiasts will love the 2-car attached garage, the 3-car detached and the 1 car detached garages—plenty of room for vehicles, toys, and hobbies. Inside, the heart of the home is the sun-filled kitchen featuring tons of natural light, vaulted ceilings, granite countertops, upgraded stainless steel appliances, tons of cabinets, modern backsplash, and a seamless walkout to the stamped concrete patio, perfect for outdoor entertaining. Cozy up in the den with a wood-burning fireplace or relax in the generously sized dining and living rooms with beautiful views from every window. The main level also includes a renovated full bath and a versatile bedroom—ideal for guests, an office, or flex space. Upstairs, you’ll find three spacious bedrooms, including the primary suite with a newly renovated, spa-like bathroom. Wander along the custom stamped pathways, gather around the firepit, and enjoy the serenity this property offers. The homeowners have loved the peace and quiet of the area. A fence has been installed in an area in the yard which makes it great for pets. Check out these NEW IMPROVEMENTS: Fridge (2025), Roof (2024), Water Treatment System and flooring on main level (2021), and Water Heater (2020). Whether you're entertaining or simply unwinding, this is a home you’ll love—inside and out. Just minutes to Route 3 shopping, schools, battlefields, and commuting options. Call for your tour today and move in this summer!
Source: BRIGHT #VASP2033706
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 #VASP2033706
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.