Turnkey and extensively updated, 9225 Sand Creek Court offers worry-free living in Burke’s desirable Heritage Square community where the major work has already been done. With a new roof installed in 2023 featuring a 25-year warranty and a new HVAC system installed in 2023 with a 10-year warranty, this home provides peace of mind with the big-ticket items already taken care of. Inside, the home has been thoughtfully refreshed with refinished hardwood floors, brand-new carpet, new flooring in key areas, fresh interior paint throughout, and new LED lighting. The kitchen features brand-new stainless steel appliances, new countertops, and updated sink and fixtures, creating a clean and modern space for everyday living and entertaining. The flexible three-level layout offers bright living areas, spacious bedrooms, and a versatile lower-level recreation room with a full bath—perfect for guests, a home office, or additional living space. Commuters will appreciate the exceptional convenience of this location. The Rolling Road VRE Station is less than five minutes away, providing direct rail access into Alexandria, Crystal City, and Washington, D.C. Additional commuter options including the Franconia–Springfield Metro station, EZPass Express Lanes, multiple park-and-ride commuter lots, and popular slug lines are all approximately 10 minutes away, making daily travel throughout Northern Virginia and into D.C. simple and flexible. Situated on a quiet cul-de-sac and backing to scenic parkland and walking trails, the home offers a peaceful setting while still being conveniently located near Burke Lake Park, shopping, dining, and everyday conveniences. With extensive updates already completed and major systems recently replaced, this move-in-ready home combines comfort, convenience, and long-term peace of mind in one of Burke’s most established communities.
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.
