Some homes are built to shelter. This one was built to impress. Nestled in Laurel Hills Crossing in Lorton, 8934 Hubbard Way is a stone-front colonial of rare distinction — 4,459 sq ft across three fully finished levels, with designer finishes, intentional architecture, and a lower level that redefines what it means to entertain at home. EXTERIOR & CURB APPEAL The all-stone facade sets the standard from the moment you arrive. A symmetrical colonial design, manicured landscaping, two-car garage, and gracious portico entry frame a home that commands attention at every hour — equally stunning at golden hour as under a twilight sky. MAIN LEVEL · 1,528 SQ FT The foyer opens to a soaring two-story family room anchored by a marble-surround fireplace, floor-to-ceiling sheers, and a statement staircase with dark wood treads and white balusters. Wide-plank luxury vinyl flooring runs throughout. The gourmet kitchen is the showpiece: white shaker cabinetry with gold hardware, granite counters, gas cooktop, double wall ovens, French door refrigerator, stainless dishwasher, and a contrasting dark-base island under twin gold-and-crystal pendants. Breakfast nook and walk-in pantry complete the hub. The formal dining room features designer wainscoting, crown molding, and a statement chandelier. A separate formal living room offers refined retreat with recessed lighting. A main-level in-law suite with private en-suite full bath delivers true single-level living for guests or family. Off the mud room, the bonus flex room — known as "the Costco Room" — features a built-in wrap-around wooden workspace with storage beneath. A powder room rounds out the floor. Custom Graber Blinds dress windows throughout the main and upper levels. Step outside to an 18' composite deck overlooking a private, wooded backdrop. UPPER LEVEL · 1,513 SQ FT The primary suite (16' x 23') is a true sanctuary — plush carpet, windows on two walls dressed in blackout Graber Blinds, a crystal fan chandelier, dual walk-in closets plus a third accessory closet, and a private en-suite featuring a designer-built three-head shower — the only one in the neighborhood. Three additional bedrooms share two full baths with granite vanities and dark espresso cabinetry. A dedicated upper-level laundry room adds daily convenience. LOWER LEVEL · 1,418 SQ FT This is where 8934 Hubbard Way separates itself from every other home in Northern Virginia. The 34' x 22' main recreation room is an entertainer's dream — leather recliner sectional, wall-mounted TV, and a linear electric fireplace. The full wet bar is exceptional: white shaker cabinetry, granite counters, a peninsula with seating for four, stainless dishwasher, beverage refrigerator, and three tiers of open display shelving. A proper bar, built to host. The 27' x 12' game room features a poker table, custom wine wall, and lounge sofa. A lower-level den with walk-in closet and adjacent full bath offers ideal guest accommodations. A private home gym completes the level — no membership required. Built-in Sonos speakers wire the entire lower level for sound. COMMUNITY & LOCATION One of Fairfax County's most desirable communities — tot lots, two pet relief areas, open green spaces, and the Laurel Hill Golf Club within the footprint. The Workhouse Arts Center, now home to Bunnyman Brewery, sits directly across the street. South Run Park, Occoquan Regional Park, and Laurel Hill Mountain Biking Trails provide year-round recreation. Served by the South County pyramid — Silverbrook Elementary, South County Middle, and South County High — all highly rated within FCPS. Direct access to I-95, Fairfax County Parkway, Route 123, and the Lorton VRE Station ( 3 miles). Fort Belvoir is minutes away. Springfield Town Center, Whole Foods, Trader Joe's, Wegmans, and Potomac Mills all within easy reach.
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.