109 Shelby Ct Winchester, VA 22602
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About this home
Welcome to this beautiful colonial home in the sought-after Chapel Hill community. Set on a flat, quarter-acre lot, it pairs a fully fenced, beautifully landscaped backyard with the convenience of a two-car garage. Inside, the main level is warm and welcoming: a separate dining room for gatherings and a bright family room anchored by a gas fireplace and plenty of natural light. The kitchen features abundant cabinet storage and stainless steel appliances (including a 2025 refrigerator and 2022 dishwasher)—plus a cheerful breakfast nook for casual meals. A small built-in desk nook sits along the short passage that reconnects the kitchen and dining room. From the kitchen, step right out to the freshly painted deck and large backyard ideal for weekend cookouts, gardening beds, pets, or an evening with friends and family. A crawl space adds extra storage and access to utilities. Upstairs, the primary suite impresses with generous proportions and wonderful light, offering two walk-in closets and a private bath with soaking tub and separate shower. Two additional bedrooms provide comfortable space and good closets, while the large bonus room over the garage flexes beautifully as a fourth bedroom, dedicated office, media room, or gym—whatever suits your lifestyle. The laundry room on this level keeps chores simple and close at hand. Peace-of-mind improvements are already done in all the right places: a new roof (2025) crowns the home; a downstairs gas HVAC (2022) and upstairs electric heat pump (2024) provide efficient year-round comfort; and a mini-split in the garage (2022). The washer and dryer were replaced in 2020, the bathrooms and deck were recently painted, and the neighborhood streets were just repaved by the state, underscoring the well-kept feel. All of this sits moments from I-81, Apple Blossom Mall, groceries, shopping, and restaurants, with Shenandoah National Park and the Appalachian Trail about 40 minutes away for weekend adventures. Warm, move-in ready, and a backyard truly made for living—come see why this Chapel Hill home feels right the moment you arrive.
Source: BRIGHT #VAFV2036456
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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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