Welcome to 9375 Westfield Drive — a beautifully renovated 4-bedroom, 3-bath home situated on over 1.5 acres. Combining modern updates, highly desirable outdoor space & location, this turnkey property offers the perfect balance of ease, efficiency, upgrades, and value. Not to mention... A rare financial advantage: Eligible buyers have the opportunity to assume the seller's existing VA loan at 3.00% — more than 3% below many current mortgage rates. That difference could mean approximately $600 less per month, or over $7,200 in annual savings; this creates homeownership to be significantly more affordable. Beyond the attractive financing opportunity, the major-ticket items have already been handled. A brand-new roof was installed in 2026, the home's systems have been meticulously maintained throughout ownership, and a generator provides added security and peace of mind. Inside, you'll find a bright, open-concept layout designed for both everyday living and entertaining. The fully renovated kitchen serves as the heart of the home, featuring granite countertops, stainless steel appliances, abundant cabinetry, recessed lighting, modern finishes, and a large center island anchoring it all. The kitchen flows seamlessly into the dining and living areas, creating an inviting environment for any type of gathering. The main level features a spacious primary suite with a gorgeous upgraded en-suite -- along with two additional bedrooms and a beautifully renovated full hall bathroom. This home is full of thoughtful updates, natural light, and is move-in ready! The finished lower level offers exceptional flexibility with a large rec room, a 4th bedroom, and a full bathroom—ideal for guests, multigenerational living, a mother-in-law suite, home office, gym, or entertaining. When you step outside enjoy the freedom that comes with over 1.5 acres and no HOA! The deck, patio, and expansive yard provide excess room to entertain, relax, garden, or simply enjoy your surroundings. As an added bonus, the property backs directly to the 13.4-mile Charles County Rail Trail, offering immediate access to walking, running, and biking right from your backyard—a lifestyle feature that's rare to find. Combining a rare 3.00% assumable VA loan, a brand-new 2026 roof, beautifully renovated kitchen and baths, over 1.5 private acres, no HOA, and direct access to the Charles County Rail Trail, 9375 Westfield Drive delivers the turnkey lifestyle, financial advantages, and long-term value buyers are searching for!
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.
