Sign in to see required down payment for the 4% rate
9522 Hickory Hill Dr, Fredericksburg, VA 22408
4 beds · 3 baths · 2,103 sqft
Welcome to Timberlake—a quiet, established neighborhood known for its welcoming front porches and beautiful homes. 9522 Hickory Hill Drive fits right in, offering the space you need and the location you want. Set on a third of an acre with a fenced backyard, this beautiful 4-bedroom, 2.5-bath home has plenty of room to live and grow. A charming wrap-around front porch sets the tone, and inside, hardwood floors run throughout the main level. There’s a traditional living room up front, a formal dining room with a bay window, and a cozy family room with crown molding, a ceiling fan, and a wood-burning fireplace—perfect for chilly evenings. The spacious kitchen features ample oak cabinets, electric cooking, and a casual dining space that walks right out to a wood deck—plus a paver patio beyond, ready for your grill or firepit setup. Upstairs, all four bedrooms are carpeted and generously sized. The primary suite includes two oversized walk-in closets and an en suite with a soaking tub, dual vanity, and plenty of breathing room. The secondary bedrooms all have ceiling fans and share a full hall bath with a tub/shower combo. The fenced yard gives you room to play or garden, and the two-car garage gives you lots of space for your vehicles. You’re tucked into a peaceful community, yet just minutes to everything—less than 10 minutes to I-95, US-1, Spotsylvania Regional Medical Center, VA Regional Medical Center, and all the shopping and dining at Cosner’s Corner. This home has everything you deserve- space, charm, and a great location to call home!
Source: BRIGHT #VASP2033070
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 #VASP2033070
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.