10404 Amherst Cir Fredericksburg, VA 22408
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About this home
Exceptional Colonial Home at 10404 Amherst Cir, Fredericksburg, VA 22408 Nestled in a peaceful cul-de-sac in one of Fredericksburg's most sought-after neighborhoods, 10404 Amherst Avenue offers the perfect blend of luxury, comfort, and convenience. This gorgeous, quality-built Colonial home is thoughtfully designed with elegant finishes and functional spaces ideal for modern living. As you approach the property, the home's classic Colonial architecture immediately makes an impression. A well-manicured lawn and attractive curb appeal set the tone for what lies inside. Upon entering, the interior welcomes you with gleaming hardwood floors, soaring ceilings, and abundant natural light streaming through multiple skylights. The attention to detail is evident in every corner of the home. At the heart of the home is the gourmet kitchen, beautifully updated with granite countertops, sleek new appliances, and ample cabinetry. The open-concept design flows seamlessly into a cozy breakfast nook and a formal dining room, making it ideal for everyday meals and entertaining alike. Whether you're preparing a quick breakfast or hosting a dinner party, this kitchen is a chef’s dream. One of the most desirable features of this home is the main-level master suite. Rarely found in homes of this size and style, the master suite offers unparalleled convenience and privacy. It features generous closet space and an en-suite bath, creating a peaceful retreat from the hustle and bustle of daily life. The home also includes three spacious upper-level bedrooms and two additional full bathrooms, ensuring that family and guests have plenty of room and privacy. The upper level also boasts a huge loft space, ideal for use as a second family room, home office, playroom, or media center. This bonus space adds exceptional versatility to the home, adapting to your lifestyle and needs. Additional highlights include dual staircases, providing convenient access from both the front and rear of the house, and abundant storage areas throughout. The lower level is a true gem, featuring a large recreational room complete with a wet bar, perfect for game nights or entertaining guests. A half bath and dedicated workshop area add even more function to the space. Whether you're into crafts, DIY projects, or simply need a place to unwind, the lower level delivers. This home is not just beautiful but also recently updated with new carpeting, modern appliances, and a newer roof, ensuring peace of mind for years to come. Every element of the home has been carefully maintained and enhanced to provide a move-in-ready experience for the new owners. Located in a prime area, the home offers quick and easy access to major commuter routes, including VRE, I-95, Route 1, and connections to NOVA and Richmond. You're also close to a wide variety of shopping centers, dining options, and medical facilities, making daily errands and healthcare needs both convenient and stress-free. 10404 Amherst Avenue represents not only a great value but also a unique opportunity to own a well-appointed, spacious home in a fantastic location. Whether you're a growing family, a multi-generational household, or simply someone looking for refined living with everyday functionality, this Colonial gem has something for everyone. In summary, this property checks every box: location, quality, comfort, and style. From the thoughtful layout and luxurious kitchen to the expansive living areas and proximity to major amenities, 10404 Amherst Circle is the perfect place to call home. 5th and 6th bed NTC close to I95 Quantico, Pentagon
Source: BRIGHT #VASP2034828
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FAQs
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.
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