12136 Sawhill Blvd Spotsylvania, VA 22553
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About this home
Welcome to a Custom Elegance Life Style! Where your heart will be the moment you step inside this stunning former model home, by Tom Sagan In Sawhill Subdivision. This grand residence features three spacious master suites—one on each level—each offering privacy, comfort, and style. Enjoy new carpet and fresh paint (just 2 years old), complemented by gorgeous hardwood floors, 9-ft ceilings, and exquisite coffered, crown, and dental molding throughout. Natural light abounds with an abundance of windows showcasing the peaceful, private wooded backyard. Wood plantation shutters provide elegance and privacy. Calling all chefs and entertainers! The oversized kitchen is designed for gatherings large or small. Highlights include a full-length island/bar with seating for 5–6, built-in office desk, and glass-front cabinetry to showcase your finest dishes. Each of the 5 oversized bedrooms features walk-in closets and private full baths w/crystal chandeliers —all with high-rise toilets for comfort. 65" & 75" TVs for all the Bedrooms and entertainment areas. There are also 2 additional half baths for guests. Upstairs, the luxurious master closet extends over the two-car garage and includes custom built-ins—a dream space for shoe lovers! The sun-drenched walk-out basement is fully finished, offering flexible living space that might just make it hard to choose which level to call your favorite? Outdoors, you’ll find: A wrap-around Trex deck on the main level A large side yard, perfect for a future pool or play area! A charming front porch, ideal for morning coffee or stargazing at night on the cul-de-sac! New Heat Pump 2025 This is an exceptional home is ready for a Quick Move In.
Source: BRIGHT #VASP2034596
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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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